Alabama Ag Credit

About Us

AL_AgCredit_PartnerPg_LogoAlabama Ag Credit, headquartered in Montgomery, Alabama, provides short- and long-term loans in the lower 40 Alabama counties.

The association is a member-owned, locally controlled cooperative that is part of the national Farm Credit System established in 1916.

With nine convenient offices in southern Alabama, the association offers you an experienced staff, competitive rates, a variety of loan products and just the right touch of personal service.

With nine offices in South Alabama, the association offers an experienced staff, competitive rates and personal service.

Our mission is to help you invest in your dream.

We Provide Financing for…

Land Loans

  • Land purchase – from rural home sites to large acreage
  • Refinancing
  • Improvements – from digging wells to building fences to constructing a lake or clearing land
  • Construction – build a weekend cabin or a permanent home, poultry houses, farm buildings and green houses
  • Short-term loans for operating and equipment needs, including revolving lines of credit

Timber Loans

  • Land purchase
  • Reforestation
  • Equipment purchases
  • Operating lines of credit
  • Chipmills, sawmills and other processing facilities
  • Refinancing of existing debt
  • Logging equipment

Farm and Production Loans

  • Fertilizer, seed, herbicides, and any other cost of producing a crop
  • Farmland purchase and refinancing
  • Harvesting costs
  • Cow/Calf operations
  • Stockers
  • Pasture improvement and maintenance
  • Grain storage facilities
  • General operating expenses
  • Livestock facilities

Agribusiness Loans

  • Agribusiness enterprises including poultry, peanuts, cotton, cattle and catfish
  • Improvements for lumber mills, feed mills, cotton gins and other agricultural processing and marketing facilities
  • Expansion of agribusiness enterprises
  • Construction or purchase of agribusiness facilities and/or property
  • Short-term loans for operating and equipment needs, including revolving lines of credit

Poultry Loans

  • Purchase of poultry farm
  • Construction of poultry houses
  • Facility Improvements
  • Refinancing of debt
  • Equipment and machinery purchases
  • Operating expenses
  • Short-term loans for operating and equipment needs, including operating lines of credit.

Patronage

As we grow, you benefit! Stockholders of Alabama Ag Credit share in our ownership and earnings. This year we proudly returned a record $7.04 million in patronage to our customers, based on our 2014 earnings.

This year’s payment benefits customers by giving them cash and by lowering their overall cost of borrowing –just one more advantage of doing business with Alabama Ag Credit!

Since 2006, Alabama Ag Credit has returned more than $43 million in stock reductions, dividends and patronage distributions to our borrowers. So spread the word about the benefits of becoming an Alabama Ag Credit customer.

Documents

Download our Loan Application Checklist HERE.

Download our Loan Application HERE.

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