American AgCredit borrowers are more than just customers. They’re customer-owners and members of the cooperative. Let our more than 100 years of expertise in agriculture lending help you. Our knowledgeable team can craft specialized financing solutions for wineries and vineyards, so you can focus on the business of growing grapes and making wine.

Who We Are

For more than a 100 years, we have provided 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 including the wine industry 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 the wine industry, 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 patronage. When you succeed, we all succeed. We issued a 1 percent cash patronage distribution for 2022, resulting in a record $185.7 million cash back to our members. 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
  • Winery/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

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

Vineyard and Winery Financing

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

closeup of grapes on the vine with sun shining through on winery financing

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. Commodity-specific repayment schedules and flexible loan structures are tailored to serve the needs of the wine industry.

Vineyard rows with cloudy sky is one example of a business in the wine industry that qualifies for winery financing solutions

Intermediate Term Agriculture Loans

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

Vineyard landscape with mountains on wine industry page

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.



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.