White River Credit Union is proud to support local FFA & 4H students with livestock project financing designed to help young people build responsibility, confidence, and real-world financial skills.
- Interest-free loans
- No payments up to 18 months
- Up to 18-month terms
- No credit check
Interest Free Livestock Loans
Available for approved FFA & 4H livestock projects.
- SteerUp to $3,500
- LambUp to $1,000
- GoatUp to $700
- PigUp to $700
- PoultryUp to $100
How it works
1.
Apply
Students complete a simple application
+ parent/guardian co-applicant
2.
Raise your animal
Students gain hands-on experience in responsibility, budgeting, and project management.
3.
Sell at market auction
Repay loan after market auction sale,
up to 18 months
More than a loan
FFA and 4H projects teach lessons that last long after fair season ends. Because learning how to manage money is just as important as learning how to raise livestock.
ResponsibilityFinancial skillsGoal settingBudgeting habitsConfidencework ethicResponsibilityFinancial skills
Youth CD Program
After project completion, eligible students can reinvest earnings into a special Youth CD up to $2,000.
- Term length: 12 months
- 5% APY*
- Early withdrawal penalty of 6 months
*Annual Percentage Yield
Teen & Rocky Raccoon
Kids’ Accounts
Students can also keep building smart money habits with a Teen or Rocky Raccoon Kids’ Account designed just for kids and teens.
Saving
livestock
earnings
Future
projects
School
expenses
First
vehicles
Long-term
goals
Ready to apply?
Questions? Submit the form below, email loans@whiterivercu.com, call or text (360) 825-4833 ext 4,
or stop by our lobby in Enumclaw.
1
FAQs
Who can apply?
Active FFA and 4H students participating in approved livestock projects.
Is there a credit check?
No. This program does not require a credit check.
Does a parent need to co-apply?
Yes. A parent or guardian co-applicant is required.
When are payments due?
No payments are required up to 18 months. Repayment happens after the animal is sold at market auction.
Can students apply before purchasing an animal?
Yes. We encourage students and families to apply early in the planning process.
What information is needed to apply?
Applicants should be prepared to provide:
- FFA or 4H participation verification
- Animal type
- Estimated project costs
- Parent or guardian information
