Business Details
Trusted Agricultural Loans and Financial Services
American AG Credit has been a trusted partner in agricultural finance for over a century, serving farmers, ranchers, and agribusinesses across California, Colorado, Hawaii, Kansas, New Mexico, Nevada, Oklahoma, and all 50 states for capital markets. As a member of the Farm Credit System, we specialize in tailored financial solutions including real estate loans, equipment financing, agribusiness loans, and crop insurance. Our deep industry expertise and diverse lending portfolio enable us to anticipate agricultural challenges and deliver innovative, flexible financing options.With nearly $1 billion in cash patronage distributed to customer-owners since 2005, we prioritize long-term sustainability and community impact. Our digital banking tools and personalized service ensure clients receive support aligned with modern agricultural needs while maintaining a commitment to sound financial practices. Through strategic risk management and a cooperative structure, we empower agricultural producers to navigate market fluctuations and grow their operations sustainably.
Services
Agricultural Loans
Equipment Financing
Crop Insurance
Rural Home Loans
Capital Markets Services
Treasury Management
Direct Deposit
Online Banking
Loan Calculators
Ag Insights
Highlights and features
- We specialize exclusively in agricultural finance with over 100 years of industry experience
- Our cooperative structure returns profits directly to customer-owners through annual cash patronage
- We offer flexible long-term loans with repayment schedules matching agricultural business cycles
- Our digital banking solutions combine modern convenience with personalized agricultural expertise
- We maintain a diversified loan portfolio to withstand market pressures and ensure stability
Services
Agricultural Loans
We provide tailored financing solutions for agricultural operations including land purchases, equipment acquisitions, and working capital. Our loans feature competitive rates and repayment terms aligned with farming cycles. Customers benefit from our deep industry knowledge and cooperative structure that returns value through annual cash patronage distributions.
Crop Insurance
Our comprehensive crop insurance programs protect against yield loss, revenue decline, and natural disasters. We offer customized plans including revenue protection, yield coverage, and specialized options for vineyards, orchards, and livestock operations. Our agents provide expert guidance to help farmers mitigate risk and ensure financial stability.
Equipment Financing
We offer flexible financing options for agricultural equipment purchases with terms matching the useful life of the machinery. Our programs support both new and used equipment acquisitions, helping farmers modernize operations while maintaining cash flow. Competitive rates reflect our understanding of agricultural business cycles.
Capital Markets Services
Our specialized services for large agribusinesses include complex lending solutions, distribution financing, and consulting. We leverage our industry expertise to structure customized financial products for food processors, agricultural cooperatives, and other commercial entities operating in the agricultural value chain.
Rural Home Loans
We provide mortgage solutions for rural residential properties, including primary residences and investment properties. Our programs feature competitive terms tailored to agricultural professionals, with underwriting that considers the unique financial profiles of farming operations.
Questions
What types of agricultural loans do you offer?
We offer real estate loans, equipment financing, operating loans, and specialized agribusiness financing solutions tailored to farming and ranching operations.
Are you part of the Farm Credit System?
Yes, we are a proud member of the Farm Credit System, a nationwide network of agricultural lenders established over 100 years ago.
Do you offer crop insurance services?
Yes, we provide comprehensive crop insurance including revenue protection, yield coverage, and specialized plans for specific commodities and livestock operations.
Can I access online banking services?
Yes, we offer online banking with tools for loan management, payment processing, and financial planning, though some customers report limitations in digital features.
How does your cooperative structure benefit customers?
As a cooperative, our borrowers receive annual cash patronage distributions based on their loan activity, sharing directly in our financial success.
What states do you serve?
We provide direct agricultural lending in CA, CO, HI, KS, NM, NV, and OK, with capital markets services available nationwide.
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