American AgCredit borrowers are more than just customers. They’re customer-owners and members of the cooperative. As well as having a voice in how we operate, they are entitled to share in our success through a cash patronage distribution.

We issued a 1 percent cash patronage distribution for 2021, resulting in a record $163 million cash back to our members.

Who We Are

We are a leading provider of 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. Our range of financial services includes farm loans, farm mortgage loans, equipment loans, livestock loans, first time farmer loans and operations 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.

The American AgCredit Difference

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 patronage program.

Make An Inquiry Today

See if you’re eligible to for a loan from American AgCredit today.


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

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.

Vineyard landscape with mountains

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.

Vineyard rows with cloudy sky

Intermediate Term Agriculture Loans

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

closeup of grapes on the vine with sun shining through

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.

Online and Mobile Banking will be unavailable due to system maintenance from 7 a.m. to 6 p.m. PST on Saturday, December 10. We apologize for any inconvenience.