In every season, we got your back.
Running a small business or a family farm means juggling markets, weather, payroll, and parts delays—often before breakfast.
We bring you fast, flexible lending built for Saskatchewan farms, ranches, and small business, with decisions made right here at home.
(branch, phone, video, or we’ll meet you at the shop/yard)
Harvest without Hesitation
Whatever the season brings—pre-harvest prep, mid-run repairs, or off-season upgrades—our Prime + 0.5 % Equipment Financing keeps your operation moving with less stress and more certainty.
Why this matters for your operation
Ready to harvest—without hesitation—today and every season ahead? One 15-minute chat is all it takes to get rolling.
*Rate equals Turtleford Credit Union Prime + 0.50 % and may change or be withdrawn without notice. Proof of agricultural income required. All financing subject to credit approval. Standard fees and conditions apply.
Keep the iron turning with loans, leases, or lines—approved in days.
Ag Quick Loan or Ag Line of Credit for inputs, feed, or surprise repairs.
· Fast Facts: Ag Quick Loan
o A good fit for one-off cash needs—feed, vet bills, repair parts
o Pre-approved “evergreen” limit— draw, repay, re-draw without re-applying
o Limit set to your working-capital cycle
o Interest charged only on the balance outstanding
o Convert any portion to fixed-term if you prefer certainty
o Ask about a Quick Loan: LendingTeam@turtlefordcu.ca
· Fast Facts: Ag Line of Credit
o A good fit for day-to-day operating or to buffer grain-cheque gaps
o Interest-only while you use it
o Always available, revolving credit attached to your chequing account
o Limit reviewed annually with your farm plan
o Top-Up my Line: LendingTeam@turtlefordcu.ca
Conventional Mortgages or CALA loans up to 80 % of value with terms that fit your long game.
· Fast Facts: Conventional Ag Mortgage
o A good fit for land purchase, yard site build, or refinance
o Borrow up to 80 % of appraised value; 1–5 yr terms; amortization up to 25 yrs
o Fixed or variable rate
o Annual lump-sum pre-payment room
o Optional creditor insurance available
o Talk about a Purchase, Build or Refinance: LendingTeam@turtlefordcu.ca
· Fast Facts: Canada Agriculture Loans Act (CALA)
o A good fit for real estate, breeding livestock, equipment, grain storage, energy upgrades
o Federal government-guaranteed loan program
o Up to 80 % financing, 15-yr maximum term, 20 % down payment
o Fixed or variable rate
o Eligible costs incurred 60 days before advance can be financed
o Let’s chat about CALA options: LendingTeam@turtlefordcu.ca
Built for producers & ranchers—so every input, part, and fuel stop works a little harder.
· Fast Facts:
o A good fit for day-to-day farm spending—fuel, parts, vet bills, crop inputs, hardware—and a smart way to track it all in one place.
o All cards include Zero-Liability fraud protection, CardWise digital management, and optional centralized billing for multi-employee setups
Learn more and apply today: Card Related Services
Bundle soil-health upgrades or renewable-energy projects into your financing.
· Fast Facts:
o A good fit for carbon-credit pilots, solar pivots, soil-health equipment
o Bundle costs into your operating line, a CALA loan, or a term loan
Finance Green Projects: LendingTeam@turtlefordcu.ca
Renovate a storefront, add a second service truck, or buy inventory—fixed or variable rates.
Up to 90 % financing for equipment or real-estate purchases with a 10 % down payment.
· Fast Facts:
o A good fit for Real estate purchase, large equipment, leasehold improvements
o Federal government-backed program
o Up to 90% financing; max $500 k; 10-yr amortization; fixed or variable rate
o 10 % down payment
o Finance assets bought up to 180 days before approval
o Explore if CSBFP is right for you: LendingTeam@turtlefordcu.ca
Cover payroll, seasonality, or bulk-buy discounts without dipping into personal funds.
· Fast Facts:
o A good fit for covering payroll, supplier terms, seasonal swings
o Revolving limit tied to your business chequing; pay interest only on what you use
o Limit can be secured by inventory, A/R or real estate
o Ask about an LOC: LendingTeam@turtlefordcu.ca
Turtleford Credit Union business credit cards, offered in partnership with Collabria®, rewards on everyday spending.
· Fast Facts:
o A good fit for everyday business buys—inventory, office supplies, online ads, fuel, client lunches, and shipping—plus a simple way to keep transactions organized in one place.
o Cash-back, points or travel options; mobile wallet and tap enabled
o Expense-management portal & custom limits per card
o Extended warranty & purchase protection on eligible cards
o Learn more, Apply today: Card Related Services
All lending subject to credit approval. Rates, limits, and conditions may change without notice.
Prime rate based on Turtleford Credit Union Prime as of funding date.
CALA & CSBFP financing follow federal program rules; ask for full eligibility details.
Calidon leases are provided by Calidon Equipment Leasing under a separate agreement; tax treatment varies—consult your advisor.
Monday to Wed 8:30-4:00pm
Thursday 8:30am - 4:30pm
Friday 8:30am - 4:00pm
Connect with Us
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