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Power, energy and utilities banking
Powering America's heartland
Financing and risk management solutions to help you serve rural communities with confidence.
Financing that empowers rural energy growth
Rapidly growing demand for energy combined with evolving technology creates unique challenges for electric cooperatives to best serve their member-owners. From supporting short-term initiatives to enhancing long-term infrastructure investments and liquidity requirements, our tailored financial solutions ensure that you can efficiently deliver critical services to rural communities, now and into the future.
A financial partner for essential infrastructure
As a cooperative bank, our work aligns with the needs of member‑owned and community‑serving utilities.
Industry understanding
Financing shaped by how utilities operate
Power, energy and utility systems require thoughtful, long‑term planning. We provide financing solutions designed to support the infrastructure that keeps communities connected and powered.
Infrastructure investment
Capital aligned with long‑lived assets
We help you finance capital projects with structures that reflect asset life, regulatory environments and cash flow. The goal is stability today and flexibility for the future.
Financial resilience
Support through changing market conditions
Interest rate and liquidity tools help you manage uncertainty and protect financial health. We work with you to choose approaches that fit your operating needs.
Cooperative difference
A partner invested in rural reliability
Our cooperative model aligns our success with yours. We stay focused on long‑term relationships that support reliable power and utility service across rural America.
We have worked with CoBank for over 30 years. They aren’t just a lender — they’re a partner who understands our business and our decisions. Whether it’s through loans, lines of credit or support during critical times, they stand with us.
Financing built for power and utility providers
We work with power and utility providers to deliver financing solutions that support system reliability and service to rural communities.
Traditional financing
Fund operations and long-term infrastructure with confidence
Flexible facilities for operating needs, capital expenditures and long-term infrastructure investment.
Line of credit
Access flexible capital when timing matters most
Ideal for funding unexpected projects, emergencies or short-term needs.
Debt refinancing
Reduce costs and improve cash flow
Save money and reduce your payments by refinancing your current debt.
Practical services for a changing energy landscape
Explore tools and services that help power and utility providers plan, operate, and manage cash flow.
Leasing
Flexible leasing options for vehicles, equipment and qualified facilities.
Cash management
Manage incoming and outgoing payments and maximize use of idle funds.
Capital markets
Flexible capital with broad investor access that brings scale to your financing.
Interest risk management
Manage exposure on floating‑rate debt so financing costs don’t get in the way of long‑term decisions.
Power and energy success stories
Power and energy research
Knowledge Exchange is a steady source of timely research and perspectives about the rural industries we serve.
U.S. gas-fired generation capacity development has more than tripled over the past two years, but the power industry’s hard pivot will not deliver the quick or inexpensive relief of earlier gas booms.
Replacing aging infrastructure, hardening the grid and meeting rising load growth continues to stress utility supply chains as costs continue to rise.
Oil market aftershocks could keep rural America exposed to higher fuel, power, farm and supply-chain costs for months or years.
Listen to the Power Plays podcast
Power Plays is a CoBank Knowledge Exchange monthly audio program. We connect with top energy and environmental innovators who share their, insights, experience and observations of the market.
Listen to the Power Plays podcast
Power Plays is a CoBank Knowledge Exchange monthly audio program. We connect with top energy and environmental innovators who share their, insights, experience and observations of the market.
Let’s talk about your next step
Connect with a relationship manager to discuss how we can support your financing needs.