We’ve added a limited-time 0% interest offer to reward early decision-making:
• 0% interest on purchases made between September 1, 2025 and December 31, 2025
• Applies to prepay and invoiced purchases of seed, fertilizer, crop protection products, and other eligible items
• Designed to reward early prepay and fall application commitments
• Only purchases made during this promotional window qualify—no exceptions

We’ve added a limited-time 0% interest offer to reward early decision-making:
• 0% interest on purchases made between September 1, 2025 and December 31, 2025
• Applies to prepay and invoiced purchases of seed, fertilizer, crop protection products, and other eligible items
• Designed to reward early prepay and fall application commitments
• Only purchases made during this promotional window qualify—no exceptions

Your financing rate from January 1, 2026, onward is based on the percent of your corn and soybean acres planted with Heritage supplied seed. All seed orders must be confirmed by January 15, 2026. Rate tiers are as follows:

Inputs for raising all your crops crops are covered. This includes seed, fertilizer, lime, chemicals, power fuel, soil testing, DEF, Lubricants, GPS services, custom application, delivery and equipment rental charges. Non-crop inputs, such as feed, are not included in this program.

The prepaid or cash price in effect at the time of billing will be used for products, and the regular price will be used for services such as custom application, delivery or equipment rental.

Eligibility and rates are based on a combination of factors, including your committed purchase volume, confirmed seed orders, and creditworthiness. Final tier placement is determined by Heritage Cooperative following a full review of your application. Applicants who meet volume thresholds but present a higher credit risk may still be considered for financing at adjusted rates and/or conditions.