Agricultural Cooperative Alabama

Alabama Farm Credit understands the unique aspects of agricultural and rural real estate financing. We meet the financial needs of our members by first getting to know them and the nuances of each rural-based operation.

How We Operate

As a financial cooperative, Alabama Farm Credit is governed by a local board of directors and owned by borrowers just like you. Our success is your success and, as such, we will always have your best interests in mind.

Because we are a cooperative, we provide value for membership by returning earnings in the form of a cash patronage to customers based on annual earnings. The more creditworthy our customers are, the better Alabama Farm Credit will perform. And that means a greater return for members.


The mission of Alabama Farm Credit, ACA is to be the premier lender of Rural Agricultural Credit and Financial Services in North Alabama. Our association stays true to the mission by:

  • Adhering to consistent and sound business practices.
  • Maintaining the viability of a strong, dependable lending organization.
  • Measuring each action for its value to the member, both individually and collectively.
  • Following the seven cooperative principles.

Who We Are

Alabama Farm Credit employees are experts in rural financing. We understand the varying operations unique to poultry, cattle, row crop and timber farms. We know how important it is to have the precise type of equipment, machinery, feed, seed and fertilizer to make the best product possible. Our co-op hopes to serve as your family’s full-service, agriculture lender.

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Who We Serve

We provide financing to farmers, forestry or lumbering operations and other ag-related businesses. We also lend to anyone who owns or plans to purchase rural property. Additionally, loans may be obtained for financing part-time farms, rural residences or recreational property. Loan approval and terms are subject to the creditworthiness of the applicant(s) and the collateral offered.

Our History

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Alabama Farm Credit was founded in 1916 as part of the Farm Credit System, which remains the largest source of rural financing in the nation.

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Banding Together

Before, rural borrowers were often limited to securing financing from outside corporations who failed to recognize the nuances of rural-property investment and agricultural operations. Established in response to difficult conditions farmers and ranchers faced almost a century ago, cooperatives like Alabama Farm Credit brought farmers, ranchers and small-town residents together to reach their economic goals.

Financing Through Adversity

Over the years, Alabama Farm Credit has financed producers through adversity ranging from tornados and flooding to drought and economic depression.


Our Financial Performance Belongs to You

Alabama Farm Credit’s financial success is shared by you, our members. Once approved, each customer becomes a member and part owner by purchasing capital stock or participation certificates. Stay on top of our financial performance through our quarterly and annual financial statements.

Financial Reports

2022 Annual Report