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Smart Money Choices is a free personal financial planning conference series for all Ohioans presented by Treasurer Josh Mandel, and supported by a variety of statewide and regional partners.

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State Treasury Feed

Treasurer’s Office Receives Third “Clean” Annual Audit in Three Years
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ag-link brochureEvery year before the planting season, many Ohio farmers seek to finance their operating costs for feed, seed, fertilizer and fuel. Ag-LINK can help offset the impact of these up-front costs by providing an interest rate reduction on a farmer’s loan or line of credit with the Ohio Treasurer’s eligible banks and Farm Credit Lenders.

How does Ag-LINK work?

Through Ag-LINK, Ohio farmers can apply for an interest rate reduction on new or existing loans or lines of credit up to $150,000.  Applications are accepted on an annual basis from January through March. Lenders must complete and submit applications online on behalf of their borrowers at If an eligible farmer’s application is accepted, the Ohio Treasurer’s office places an investment with the financial institution for one year (see sample application, actual application must be done online with at participating bank). In turn, the lender lowers the interest rate on the farmer’s loan according to the rate reduction established annually by the Treasurer’s office.   


Agriculture is one of Ohio’s most important industries. It employs one-in-seven Ohioans and pumps over $90 billion into our economy each year. It is important that Ohio farmers receive the help they need to offset the risks of rising fuel costs, unpredictable weather, and variable market prices.

How does Ag-Link help?

For over 28 years, Ag-LINK has been increasing opportunities for Ohio’s farmers to operate and thrive by offering a reduced interest rate on operating loans and credit lines. Since the beginning of Ag-LINK, more than 40,000 farmers have received over $2.8 billion in reduced-rate financing.

Interest Calculation Worksheet

This Excel Sheet is used by banks to calculate the amount of interest due to the Ohio Treasurer on the line of credit loans. The 2014 calculator will be added after the new rate has been set.
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