Our Mission:
Be the Best Lender to Agriculture

Founded in 1916, American AgCredit provides loans and other financial services to agricultural and rural customers throughout California, Colorado, Hawaii, Kansas, New Mexico, Nevada and Oklahoma, as well as to capital markets customers in all 50 states.

We are a proud member of the Farm Credit System, created more than 100 years ago with the sole purpose of serving the financial needs of farmers and ranchers. We are truly “built for agriculture”.

Our unmatched expertise allows us to provide farmers, ranchers and agribusinesses with the resources and financial solutions they need to be successful.

  • We are a customer-owned cooperative with the sole mission of supporting the financial needs of American agriculture.
  • We offer loans, lines of credit, leasing and crop insurance products.
  • The financial and agricultural expertise of our staff enables us to support a wide range of customers in a myriad of ways.
  • Our commodity diversity and willingness to stand by our customers in good times and bad fosters longstanding and productive relationships.
  • We are deeply invested in our local agricultural communities through scholarships, youth programs and other community involvement.

The sound financial guidance and product flexibility we offer, combined with our deep agricultural expertise, ensures we are able to help agriculture and rural communities thrive.

Commodities Financed

We proudly finance all of agriculture, regardless of the specific industry or commodity. The graphic below reflects our current loan portfolio and highlights some of the commodities that represent the largest share. We maintain a diversified portfolio in order to withstand market pressure on any particular sector and stick with customers through tough times. This commodity diversity strengthens our financial position and helps us pay out competitive cash patronage distributions.

Commodities Chart 2022

  • Vineyards & Wineries: 16%
  • Tree Fruit & Nuts: 14%
  • Field Crops: 13%
  • Dairies: 12%
  • Beef: 10%
  • Forest Products: 8%
  • Vegetables: 4%
  • Other: 23%


Expertise in Ag

Our teams have an exclusive focus on agriculture and the related industries and businesses that support it. We understand that every operation is unique, and we are proud to meet the diverse needs of farmers and ranchers. We are committed to serving you with deep financial expertise and a common language in agriculture.

Unique Funding Source

Our unique funding source allows us to offer flexible solutions and debt options you won’t find elsewhere. This funding source means we can offer long-term loans with competitive interest rates and repayment schedules that match your business cycles.

Financial Strength

By maintaining sound business practices and a diverse lending portfolio, we are positioned to weather the inevitable ups and downs in agriculture. But that isn’t for our sake. Our financial resilience means we can stand by our customers through tough times when other lenders are abandoning the agricultural sector.

Community Support

It all starts with you. American AgCredit is owned and governed by our customers, who help determine our strategic direction. We are committed to supporting our customers and the communities in which they live and work. That’s why we give back to communities through local partnerships, donations and employer-supported volunteer work.

Patronage Distribution

Due to our structure as a cooperative, American AgCredit borrowers are more than just customers. They’re customer owners, members of the cooperative. As well as having a voice in how we operate, our customer owners are entitled to share in our success through an annual cash patronage distribution based on their average daily loan balance. Patronage is a tangible demonstration of the value of ownership in American AgCredit. We are proud to have returned nearly $1 billion to our customer owners since 2005 and remain committed to the long-term sustainability of agriculture.

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Agribusiness and Capital Markets Expertise

We have the capacity and expertise to deliver customized solutions for the most complex borrowing situations. Our agribusiness services provide a wide range of lending, distribution and consulting solutions, structured to serve borrowers, participating financial institutions and third-party clients.

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Our primary lending territory covers select states from Hawaii in the west to Kansas in the east and we can provide capital markets service to customers in all 50 states.

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