FRAUD ALERT: Be advised of a fraudulent postcard targeting customers asking you to call a phone number “as soon as possible”. This is a fraud attempt. If you believe you have received this or have been impacted, please contact us at (800) 800-4865. For more information visit our Fraud & Security Page.

American AgCredit’s farm and ranch financing options provide stability to farmers, ranchers and agribusinesses in Colorado, Nevada, New Mexico, and Northern California. We understand agriculture, so we know that you need a partner in the good times and the hard times.

Whether you are facing higher input costs and need access to capital or you want to secure a low interest mortgage rate, our agriculture experts can help you find a solution. Our competitive rates and flexible terms work with your seasonal payment needs. Ready to get started? Fill out a loan inquiry below or read more about our farm and ranch financing.

Contact Us to Start Your Loan Inquiry

Tell us about your operational needs and a representative will respond to let you know if you’re eligible for a loan from American AgCredit.

The Patronage 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. Our borrowers share in our earnings. We pay an annual cash dividend to our customer-owners, because when you succeed, we all succeed. Find out more about our patronage program.

Farm and Ranch Loans and Operating Credit

Atmospheric shot of cattle in pasture at dusk

Terms You Won't Find Elsewhere

Unlike a traditional bank, our loans can be structured to match your operation’s unique needs. We offer commodity specific repayment cycles, flexible terms and competitive interest rate options including:

  • Flexible amortization options, with terms from 5 to 30-year mortgages
  • Monthly, quarterly, semi-annual and annual payment options aligned to your income schedule
  • Fixed and variable rate options
  • Conversions from one interest rate to another

landscape of alfalfa ag real estate with mountains in the background, land in Colorado

Find the Loan You Need

We offer land loans for almost every type of agricultural operation, including:

  • Ranches
  • Farms
  • Dairies
  • Orchards
  • Nurseries
  • Logging and Forestry Operations
  • Packing and Storage Facilities
  • Vineyards and Wineries

Aerial shot of alfalfa land in Colorado

Operating Loans for Higher Inputs

We know you are looking for a stable line of credit so you can continue to do business as commodity and input prices fluctuate. Submit a loan inquiry at the top of the page, and a lender will reach out to get started.

Insights from Our Ag Experts

Customers of American AgCredit have access to exclusive insights and confident forecasting from Terrain, the lay of the land, from agriculture’s leading experts. Terrain’s expert analysts distill vast amounts of data to provide thought leadership, market intelligence, and informed outlooks across all sectors of the agricultural economy. Read two of the latest reports below.

American AgCredit is a Farm Credit institution and is governed by the Farm Credit Act and applicable provisions, and as such some restrictions regarding loan and borrower eligibility will apply.



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.