Midwest Co-op > Products & Services > Credit Services

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Approved by MCS Board of Directors

1. Credit privileges may be granted to approved accounts up to established credit limits. Credit limits will be based on the patrons’ needs and financial standings as evidenced by a credit application provided by the patron.

2. Normal terms are cash at the time of purchase. No cash discounts are allowed on credit card purchases. (Visa or Mastercard) Prepaid &/or Booking prices are cash only (cash, cheque or debit card accepted). If paying by credit card, a 2% Processing fee will apply. (No processing fee applied for eligible purchases on date of purchase).

3. Accounts are due and payable on the 20th of the month following purchase. All charge accounts not paid by the 20th of the month following purchase will be classed as past due and will be charged a service charge of 2% per month (effective annual rate of 26.81%) or such rate as may be published from time to time until paid. Interest shall be applied on past due balances that remain unpaid on the 21st day of the month.

4. Monthly accounts payments may be paid by PRE-APPROVED BANK DEBIT. Your bank account will be debited on the 20th of the month following purchase.

5. Should an account become three months (90 days) in arrears, credit privileges will be reviewed, and possibly suspended, unless payment arrangements are made with management. If an account is overdue, and the customer cannot meet credit terms, the account will be placed on COD. Repayment arrangements need to be established, documented, and maintained, or further collection actions will be taken. The account will remain COD until it is paid.

6. Customers wanting their credit privileges re-instated may be required to re-apply for a charge account by completing a new account application.

7. Cheques will be accepted for payment from customers with approved Co-op charge accounts, in good standing.

8. NSF CHEQUES are subject to a $40.00 service charge (plus applicable bank charges). This charge also applies to closed accounts, or cheques on which “Stop Payments” are applied and MCS is not notified.

9. We may from time to time, require a new account application be completed, if the account has been inactive for more than 15 months, or significant credit limit increases are required.

Equal Billing

Available for home heat customers. 

Customers average yearly consumption is split into 10 equal interest free payments. Overage or Additional amounts due are reconciled before starting the next equal billing period. Customers can sign up for equal billing plan during the months of July, August, September. Accounts on equal billing are due in full by June 20th. Equal billing customers are required to sign up for preauthorized payments or provided post-dated cheques for the entire equal billing period.

FS Finance

We know farming.  We know financing.  We know you.

Midwest Co-operative Services works with Farm Credit Canada to bring you financing options like the FS Finance Program. The FS Finance Program helps you finance purchases of seed, crop nutrition products, crop protection products, general farm supplies, agronomic services and farm fuel through your local Midwest Co-operative branch with up to 18 months to pay. It’s the simple and flexible way to free up your cash flow. Get pre-approved and take the guess work out of managing your crop input and fuel purchases.


  • Flexible, dedicated financing for input purchases offered by FFC – the agriculture experts
  • Terms up to 18 months (see crop year cycle)
  • No hidden administrative costs
  • Make only one payment per year (March 15) and prepay without penalty
  • Loans under $100,000 are unsecured, loans over $100,000 are GSA secured
  • Simple approval process
  • Retailer helps keep your payments current, safely and securely


  • Work with people who understand agriculture
  • Great for managing cash flow – regardless of ag sector
  • Complement to your current line of credit
  • Helps you take advantage of pre-buys
  • Finance 100% of eligible purchases
  • Extended terms help you fulfill your marketing plan before March 15 payment deadline
  • Payments on purchases (made after September 1) not due until March 15 of the following year
  • Easy to apply online, or by phone

Apply Online:

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Apply Now


Midwest Co-op Teeswater 1-888-718-8010 (Credit Department)

FCC Customer Service 1-888-522-2555

Please arrange Agri-Financing prior to ordering your inputs for the season.

Apply in Person:

Credit applications are available at all branch locations.


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We have revised our Privacy Policy and Terms of Use.

Please read both of these documents as the changes affect your legal rights. By continuing you agree to these updates.