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.

What are participation certificates?

Feb 19, 2021, 15:15 PM
Question : What are participation certificates?
Borrowers obtaining  loans for rural homes and certain farm-related businesses are not eligible to hold voting stock, but borrowers must instead purchase  participation certificates. In addition, persons who are eligible to borrow may purchase participation certificates in order to qualify for finance-related services. Owners of participation certificates do not have voting rights, with the exception of when stockholders authorize the issuance of preferred stock and are not eligible to serve on the association's board of directors. In all other respects, stock and participation certificates have the same rights and restrictions.
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Voting Stock

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

What are participation certificates?

Feb 19, 2021, 15:15 PM
Question : What are participation certificates?
Borrowers obtaining  loans for rural homes and certain farm-related businesses are not eligible to hold voting stock, but borrowers must instead purchase  participation certificates. In addition, persons who are eligible to borrow may purchase participation certificates in order to qualify for finance-related services. Owners of participation certificates do not have voting rights, with the exception of when stockholders authorize the issuance of preferred stock and are not eligible to serve on the association's board of directors. In all other respects, stock and participation certificates have the same rights and restrictions.
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Our Loans

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

What are participation certificates?

Feb 19, 2021, 15:15 PM
Question : What are participation certificates?
Borrowers obtaining  loans for rural homes and certain farm-related businesses are not eligible to hold voting stock, but borrowers must instead purchase  participation certificates. In addition, persons who are eligible to borrow may purchase participation certificates in order to qualify for finance-related services. Owners of participation certificates do not have voting rights, with the exception of when stockholders authorize the issuance of preferred stock and are not eligible to serve on the association's board of directors. In all other respects, stock and participation certificates have the same rights and restrictions.
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The Mobile App

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

What are participation certificates?

Feb 19, 2021, 15:15 PM
Question : What are participation certificates?
Borrowers obtaining  loans for rural homes and certain farm-related businesses are not eligible to hold voting stock, but borrowers must instead purchase  participation certificates. In addition, persons who are eligible to borrow may purchase participation certificates in order to qualify for finance-related services. Owners of participation certificates do not have voting rights, with the exception of when stockholders authorize the issuance of preferred stock and are not eligible to serve on the association's board of directors. In all other respects, stock and participation certificates have the same rights and restrictions.
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