American AgCredit:
Your Future Grows Here

The evolution of agriculture is inevitable – and exciting. Our industry is becoming more digital, more innovative, and more collaborative. American AgCredit is at the forefront of this evolution, partnering with farmers, ranchers, and agribusinesses to grow their future in ways they haven’t imagined, yet.

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”. We provide 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.

More than simply meeting our customers’ needs, we anticipate their opportunities and help them succeed with our agricultural finance expertise, innovation, and collaboration.


Financial Strength Builds for the Future

We partner with customers through the ag changing value chain to help them achieve their goals, protect their legacies and grow the industry’s next generation. By maintaining sound business practices and a diverse lending portfolio, we are positioned help our customers succeed in the inevitable ups and downs of agriculture, today and tomorrow.

Ag Finance Expertise Drives Success

Our teams focus exclusively on agriculture and the related industries. We have the most diverse portfolio in Farm Credit – which allows us to adopt best practices and innovation across different types of agriculture. We understand that every operation is unique, and we are proud to meet the diverse needs of each customer.

Unique Funding Source Offers Flexibility

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.

Banking in the Digital Age

Agriculture is in a new age of digital adoption and we’re enabling our customers with digital solutions. We meet our customers on their terms—whether that’s through digital platforms, in-person, or a combination of the two. Our customers can do business with us from their home or remote office.

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Supporting Local Communities

As we grow the future, we stay rooted in our legacy, which focuses on serving our customers, employees, partners, and communities. 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.

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Sharing Success Through Patronage

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


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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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.