If you're buying, refinancing, or improving the land, we can help. We offer loans for all kinds of rural land, including farmland, timberland, homesites, and places where you can enjoy the great outdoors. Our experienced relationship managers understand agriculture and can customize loans for farms, facilities, agribusiness, and the production of agriculture products such as crops, livestock, poultry, seafood, and timber.
As an Alabama Ag Credit borrower-owner, you not only get competitive interest rates upfront but also get back some of the interest on your loan when we distribute a patronage refund- effectively lowering your borrowing costs. We understand agriculture and country living. Our borrower-owned cooperative offers flexible financing for farmers, agribusinesses, landowners, and people who live in Alabama's countryside and small towns.
As an Alabama Ag Credit borrower-owner, you not only get competitive interest rates upfront but also get back some of the interest on your loan when we distribute a patronage refund- effectively lowering your borrowing costs. We understand agriculture and country living. Our borrower-owned cooperative offers flexible financing for farmers, agribusinesses, landowners, and people who live in Alabama's countryside and small towns.
Services
About Us
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Customer come first at Alabama Ag Credit. As a borrower-owned cooperative, we're not just a lender, we're also a partner. We carry out our mission to help agriculture and rural communities succeed by providing the experience, competitive rates and personal service that central and southern Alabama have come to rely on.
History
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With roots as deep as they are old, Alabama Ag Credit traces its history of rural mortgage financing back more than a century. As the years passed, we grew to serve 40 counties in Central and South Alabama, and expanded our services to provide a full array of financing for farms, timber and forestry operations, rural real estate, agribusinesses, equipment and livestock.
Get a Loan
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Alabama Ag Credit offers an array of financing options for agriculture and rural real estate, which you can explore on our product pages. Applying for a loan just takes three simple steps. Submit your completed application to one of our Local Lenders at your nearest branch office. If you have any questions along the way, feel free to contact our staff.
Member Perks
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Being a member of a customer-owned cooperative like Alabama Ag Credit has several advantages. In addition to providing a wide range of products at competitive rates, we operate our business in a way that always keeps our members' best interests in mind. When you borrow from Alabama Ag Credit, you become a stockholder and part owner in the cooperative, entitling you to your fair share of the earnings.
Patronage Program
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Our commitment to sharing our earnings with borrowers is rooted in our structure as a customer-owned cooperative. When you borrow from Alabama Ag Credit, you become a stockholder and part owner in the cooperative, entitling you to a portion of the earnings when the association does well financially.
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