Terrain Research & Insights
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Partner in Business

We are a leading provider of farm loan, lease, and crop insurance products, each customized to the unique needs of your growing business. We are a member-owned cooperative that supports all segments of agriculture with reliable, consistent credit and financial services as well as industry insights and expertise. Our range of financial services includes farm loans, farm mortgage loans, equipment loans, livestock loans, beginning farmer loans and operating loans, as well as crop insurance and farm credit leasing programs.

We are a part of the Farm Credit System, a nationwide agricultural network that serves rural America by providing credit and affiliated services to farmers, ranchers, and agribusinesses. Overall, the Farm Credit System supplies the nation’s agricultural industry with nearly one third of its credit needs.

Agricultural Financing

Our flexible programs ensure we have an agriculture loan designed to help your business grow:

  • Real estate purchases and improvement
  • Vineyard and orchard development
  • Packing and storage facilities
  • Timber/Land purchase
  • Livestock purchases and feed
  • Production and processing equipment purchases
  • Building repairs and improvements
  • Construction development
  • Water development and irrigation projects
  • Operating expenses
  • Debt refinancing

Our financing options include:

  • Fixed and variable rate products with rate lock options
  • Terms from 30 days to 30 years and payment options that match your cash flow
  • Revolving or non-revolving loan structures

An Agricultural Cooperative — More Than a Bank

We’re much more than an ag bank — we are a member-owned co-op, and with that comes benefits you won’t find elsewhere. As customer-owners, our borrowers are able to share in our earnings, which is paid out in the form of an annual cash dividend. When you succeed, we all succeed. Find out more about our cash dividend program.

Who We Serve

  • Farmers and ranchers
  • Processing companies
  • Large agribusinesses
  • Agricultural land owners
  • Farm-related service businesses

Agricultural Lending

At the core of our services are our competitively priced agricultural loans, with the following loan term options.

Sun rising over almond orchard

Long Term Farm Loans

Our fixed and variable rate mortgage farm loans have options tailored to your specific needs and payment schedules that can be adjusted to match your operating cash flow.

Sun set over soybean field after harvest

Intermediate Term Agriculture Loans

You can free up your capital with intermediate-term loans with maturities of up to 10 years.

Holstein cows eating silage

Short Term Agriculture Loans

For your day-to-day operating needs, short-term financing can be just the solution, and is available as a budgeted loan or revolving line of credit with maturities of one to four years.

See how we can help

Agricultural Leasing

Agricultural operations depend on proper facilities, buildings and reliable equipment, and leasing can be an attractive way to acquire it. As an alternative to the cost of purchasing, leasing helps you stay up to date with equipment and technology, but without the large cash outlay. With no down payment required, leasing allows you to put your capital to its best use. To be eligible for our leasing programs, individuals must be owners of agricultural land or engaged in production agriculture.

What Can You Lease With American AgCredit?

  • Facilities & buildings
  • Solar projects
  • Processing lines and equipment
  • Tractors, trailers, forklifts and other vehicles
  • Fruit bins
  • Rolling stock
  • Harvest equipment
  • Packing Equipment and Bins
  • Irrigation Systems
  • Wine Barrels
  • Greenhouse structures
  • Cooling and drying equipment
  • and more

Why Lease?

  • Leasing requires no down payment, conserving working capital. We even offer 100% financing.
  • Lease payments may be tax deductible.
  • Leasing helps minimize the risk of equipment becoming obsolete.

It All Starts With People

Our staff — from loan officers to underwriters to operational teams — share a passion and dedication for serving agriculture. In fact, many have a family background in agricultural operations.

No other lender understands the agriculture industry better.

We also have significant financial expertise. We are able to structure loans and other products to meet the needs of producers with a wide range of characteristics. Additionally, our capital markets group is composed of seasoned professionals who understand the complexities of larger scale financing. The depth and breadth of our expertise enables us to offer solutions for the nation’s largest agribusinesses.

We stand by our customers and take the time to learn about their business, which in turn enables us to bring more value to the services we offer. We truly care about our customers, as individuals and as business owners, and continually strive to exceed their expectations.

Our teams provide valued agriculture and financing expertise; a competitive product offering; and responsive service.

We make it easy for our customers to do business with us. We ensure we remain responsible stewards of our borrower’s investment and operate profitably, efficiently, and with a commitment to continuous improvement.

Finally, we are passionate advocates and stewards of our local communities, directing company time, money and other resources in the support of our mission to serve agriculture and rural communities.

Our commitment to agriculture means understanding how your ag business constantly changes, so our agriculture loan programs are as flexible as possible to fit your financial needs.

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Notice

AAC systems – including online banking – will be unavailable from Sept. 29 at 8 p.m. MT through Oct. 2 at 9 a.m. MT.

If you require assistance during this time, please call 800-869-6034 for support.