Is your AFC loan paid via automatic bank draft? Changes are coming this fall! Read more. Close Alert Bar Apply for a Loan Make a Payment Outsiders romanticize it. We help you realize it. Alabama Farm Credit provides financing to help our members purchase farms and rural properties. Our cooperative also makes loans for ag-related improvements and operating costs. Explore Loans Rural Financing Alabama Farm Credit offers customized, flexible loan programs, leasing, insurance products and cash management services. Loan Programs Cash Management Tools Member Resources Ag Banking Online Borrowers Receive Dividends View Benefits Borrowers Are Co-op Members As a cooperative, Alabama Farm Credit’s borrowers are also members and stockholders. To receive a loan or qualify for financially related services, each co-op member earns investment in capital stock or participation certificates of the association. The More You Borrow, the More You Earn Money earned through cooperative membership is similar to dividends, but there are distinct differences too. Cooperatives pass their earnings along to co-op members because every borrower is entitled to a portion of Alabama Farm Credit’s profits. The more you borrow, the bigger your share of earnings. How Co-op Earnings Lower Interest Rates Alabama Farm Credit has a long history of paying members a portion of the co-ops profits — the cooperative has returned more than $92 million to our stockholders since 1999. Still, the most important benefit is how these payments lower your effective interest rate. You’ll receive a competitive rate upfront, but this interest rate is positively impacted by your dividends. Amanda Stanton Loan Officer | Cullman, AL LOAN PROGRAMS What Type of Loan Do You Need? Looking for more information about Alabama Farm Credit’s loan programs? Select the loan that best describes your financing needs, and learn more about each loan, get loan applications and contact information. Poultry Equipment Residential Operating Livestock Improvement Agribusiness Timber Real Estate FIELD NOTES Hear From Members Like You The characteristics of agricultural and rural real estate financing are unique, as are the members who help drive north Alabama’s rural economy. Alabama Farm Credit takes a personal interest in each one. Read Field Notes Click to open video lightbox Cherokee Gin & Cotton Co. Homepage PROPERTY SEARCH PRIVACY POLICY SITEMAP CAREERS facebook twitter linkedin youtube instagram Whistleblower Hotline for Employees, Borrowers and Agents 1-844-363-2088 Equal Housing Lender Equal Credit Opportunity Lender Equal Opportunity Employer Signup For Our Newsletter ©2014-2021 Alabama Farm Credit. All Rights Reserved. Part of the Farm Credit System