Electric Distribution

CoBank offers a broad range of competitively priced, flexible loan programs, leasing services and other financial services that enable electric cooperatives to fulfill their mission of providing reliable power to rural communities.

Industry Expertise

Today, over 75% of electric distribution, transmission and generation cooperatives work with CoBank for their banking and financial needs. We finance electric cooperative projects of all kinds, including smart grid technology, retail broadband, DER investment, renewables, electric vehicles and more. We also have extensive experience working in coordination with government loan programs and facilitating the process on behalf of our customers.

We could not do these types of capital-intensive investments without a strong partner like CoBank. They’ve been with us from day one and it’s enabled us to make critical improvements to the co-op and for the communities and members we serve.

– Todd Townsend, CFO, Ozarks Electric Cooperative

Key Partnerships

As a committed financial partner to the electric cooperative industry, we support the National Rural Electric Cooperative Association, statewide organizations across the country, the Tennessee Valley Public Power Association and the Northwest Public Power Association, providing both funding and thought leadership. Over the last seven years, CoBank has been a strong supporter of NRECA International, contributing more than $2 million to help fund rural electrification efforts across the globe.

Financing Solutions and Services


Ask about our wide variety of short- and long-term loan products

Cash Management

Manage incoming and outgoing payments, maximize use of idle funds and more


Lease solar arrays, battery storage units, EVs, rolling stock, equipment, facilities and more


Engage with our strategic planning, issues assessment, financial forecasting and education sessions

Electric Vehicles

Discover the opportunities, risks, infrastructure financing and member engagement tactics for the electric vehicle evolution

Publications and Case Studies


Bill LaDuca
Doran Dennis
Western Region
Lee Earhart
Eastern Region
Tamra Reynolds
Southern Region