Alabama Farm Credit
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Loan Products and Services

Alabama Farm Credit offers flexible loan terms for a variety of purposes, including special loan programs for young, beginning and small farmers. We also offer members several additional services.

Loan Purposes

  • Farm and Ranch Land
  • Recreational Property
  • Agribusiness Facilities
  • Rural Homes and Home Sites
  • Poultry Operations
  • Machinery, Equipment, Livestock Purchasing
  • Equipment Leasing
  • Production Costs, such as feed, seed and fertilizer
  • Property Improvements
  • Building Repair and Construction
  • Refinancing of Existing Mortgages
  • Secondary Housing
  • Operating Lines of Credit

Financing Options

  • Long-term repayment plans with terms from five to 40 years
  • Adjustable or fixed interest rate plans
  • Monthly, quarterly, semi-annual or annual payment options
  • Multiple re-advance loans that allow paydowns and re-advances without a new loan closing process
  • Customized loan packages to fit special situations, especially when it will increase loan availability to young, beginning and small farmers.
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Financial Services

  • Mortgage Life Insurance
    Loan protection insurance is available to our borrowers. Underwritten by Minnesota Life Insurance Company, our insurance products are competitively priced and designed to protect your investment and your family in the event of an unforeseen loss.

  • Leasing Services
    Whether you need vehicles, farm equipment, timber harvesting equipment or any other capital equipment, the FLBA of North Alabama offers a variety of competitive leasing products to meet your needs. We provide leasing services to our customers through Farm Credit Leasing Corporation (FCL), a firm serving 5,000 farming, agribusiness, communications and energy businesses across the country.

  • PAID System (Preauthorized Installment Drafting)
    You can make your payments on time, every time, by setting up preauthorized electronic drafting. With this automatic withdrawal service, an electronic draft is drawn on your bank account by our funding agent, the Farm Credit Bank of Texas. The service is available at no additional cost to you. To sign up, contact your local branch office.

  • Online Loan Calculator
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