Business Details
Trusted Agricultural Loans & Farm Financing Solutions
Carolina Farm Credit has dedicated over a century to empowering agricultural communities through personalized financial solutions. As a member-owned cooperative, we specialize in land, farm, and home loans tailored to the unique needs of rural America. Our team understands the complexities of agriculture, offering flexible repayment plans and industry-specific expertise. Headquartered in Statesville, North Carolina, we serve 147 counties across Georgia, North Carolina, and South Carolina. Our commitment extends beyond financingwe invest in the future of farming through educational programs like AGAware and the AgBiz Program. With a focus on relationship-driven lending, we provide crop insurance, leasing options, and specialized financing for livestock, timber, and young farmers.Our Patronage Program allows members to share in our profits, reinforcing our dedication to community growth. Backed by the national Farm Credit system, we combine local knowledge with nationwide resources. Our mission is rooted in the belief that people invest in purpose, not just products, ensuring every client receives personalized support. From land acquisition to operational loans, we structure financing to align with agricultural income cycles. With decades of experience and a deep understanding of rural economies, we remain a trusted partner for farmers, families, and landowners across the Southeast.
Services
Land Loans
Farm Loans
Home Loans
Crop Insurance
Leasing
Highlights and features
- We offer fixed-rate land loans up to 20 years with competitive terms.
- Our loan officers specialize in agricultural financing and local market needs.
- We provide flexible repayment plans aligned with farming income cycles.
- Our Patronage Program returns profits directly to member-borrowers.
- We serve 147 counties across Georgia, North Carolina, and South Carolina.
What people say
Peace of mind
Prompt service
Family member
Total commitment
Saved hundreds
Services
Land Loans
AgSouth offers fixed-rate land loans up to 20 years for timber purchases, hunting properties, or family homes. Our competitive rates and flexible terms cater to long-term agricultural investments. Loans are structured to align with income cycles for sustainable repayment.
Farm Loans
Tailored loans for farm operations, including equipment purchases, livestock, and crop production. We customize financing to match income streams and operational needs. Flexible repayment schedules coordinate with harvest seasons and livestock sales for cash flow efficiency.
Home Loans
Competitively priced home loans for properties in town or countryside. Designed for farmers and rural residents, these mortgages accommodate unique property types. Financing options include fixed and adjustable rates for primary residences or vacation homes.
Crop Insurance
Comprehensive crop insurance plans safeguard against yield losses and market fluctuations. Knowledgeable agents provide risk management strategies tailored to specific crops and regions. Policies help ensure financial stability during adverse weather or price downturns.
Leasing
Flexible leasing options for farm equipment, storage facilities, and specialized machinery. Reduces upfront costs while maintaining operational flexibility. Ideal for seasonal needs or testing equipment before purchase decisions.
Questions
How do I apply for a farm loan?
Contact a local AgSouth loan officer to discuss your needs. Provide financial statements and operational details for customized financing options.
What states do you serve?
We operate across Georgia, North Carolina, and South Carolina, serving 147 rural counties.
Are there special programs for beginning farmers?
Yes, our Young, Beginning, and Small Farmer program offers tailored financing and educational resources for new agricultural entrepreneurs.
Do you offer crop insurance?
We provide comprehensive crop insurance plans with expert guidance to protect against yield and revenue losses.
How does the Patronage Program work?
As a member-owned cooperative, we return annual profits to borrowers through the Patronage Program based on loan activity.
