Frequently Asked Questions

Answers to the most commonly asked questions about Alabama Farm Credit are below. If you have questions not covered in our FAQs, please contact us.

The Organization

Our success is your success and, as such, we will always have your best interests in mind.

Is there risk associated with my stock investment?

Feb 19, 2021, 15:18 PM
Question : Is there risk associated with my stock investment?
Your ownership of stock or participation certificates is an investment that allows you to  share in the association's earnings through patronage refunds and/or dividends, but which is also subject to certain risks that could result in a partial or complete loss of the investment. It is not a compensating balance. The ultimate value of the stock is dependent on the future financial performance and condition of the association over time. Therefore, you cannot assume that stock will be redeemed on demand or upon a certain date or upon the happening of any event, such as a repayment of the loan (as could be the case if the investment were considered a compensating balance). You are responsible for the full amount of your loan, including the amount borrowed to pay for your stock or certificates, regardless of their book value. Members are advised to review the  financial reports of Alabama Farm Credit, the association's capitalization bylaws and other available information about the Farm Credit System, copies of which are available from the association upon request.
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Voting Stock

We support the cooperative principle of sharing our success with our members.

Is there risk associated with my stock investment?

Feb 19, 2021, 15:18 PM
Question : Is there risk associated with my stock investment?
Your ownership of stock or participation certificates is an investment that allows you to  share in the association's earnings through patronage refunds and/or dividends, but which is also subject to certain risks that could result in a partial or complete loss of the investment. It is not a compensating balance. The ultimate value of the stock is dependent on the future financial performance and condition of the association over time. Therefore, you cannot assume that stock will be redeemed on demand or upon a certain date or upon the happening of any event, such as a repayment of the loan (as could be the case if the investment were considered a compensating balance). You are responsible for the full amount of your loan, including the amount borrowed to pay for your stock or certificates, regardless of their book value. Members are advised to review the  financial reports of Alabama Farm Credit, the association's capitalization bylaws and other available information about the Farm Credit System, copies of which are available from the association upon request.
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Our Loans

Our loan programs are customized to meet the needs of borrowers just like you.

Is there risk associated with my stock investment?

Feb 19, 2021, 15:18 PM
Question : Is there risk associated with my stock investment?
Your ownership of stock or participation certificates is an investment that allows you to  share in the association's earnings through patronage refunds and/or dividends, but which is also subject to certain risks that could result in a partial or complete loss of the investment. It is not a compensating balance. The ultimate value of the stock is dependent on the future financial performance and condition of the association over time. Therefore, you cannot assume that stock will be redeemed on demand or upon a certain date or upon the happening of any event, such as a repayment of the loan (as could be the case if the investment were considered a compensating balance). You are responsible for the full amount of your loan, including the amount borrowed to pay for your stock or certificates, regardless of their book value. Members are advised to review the  financial reports of Alabama Farm Credit, the association's capitalization bylaws and other available information about the Farm Credit System, copies of which are available from the association upon request.
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The Mobile App

Download our ios or android app for more access to your loan information.

Is there risk associated with my stock investment?

Feb 19, 2021, 15:18 PM
Question : Is there risk associated with my stock investment?
Your ownership of stock or participation certificates is an investment that allows you to  share in the association's earnings through patronage refunds and/or dividends, but which is also subject to certain risks that could result in a partial or complete loss of the investment. It is not a compensating balance. The ultimate value of the stock is dependent on the future financial performance and condition of the association over time. Therefore, you cannot assume that stock will be redeemed on demand or upon a certain date or upon the happening of any event, such as a repayment of the loan (as could be the case if the investment were considered a compensating balance). You are responsible for the full amount of your loan, including the amount borrowed to pay for your stock or certificates, regardless of their book value. Members are advised to review the  financial reports of Alabama Farm Credit, the association's capitalization bylaws and other available information about the Farm Credit System, copies of which are available from the association upon request.
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