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Learn more about Farm Credit

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Who We Are


You deserve a lender that not only provides for your financing needs, but also adds value. At Farm Credit of Northwest Florida, our mission is Helping Rural America Grow and we take that mission seriously. In addition to offering highly competitive loan products and rates, your financing needs are met by a staff of agricultural and rural lending experts.

As a cooperative lender, excess profits (above capitalization and operating needs) are refunded to our members. This profit sharing provides you the opportunity to lower your cost of borrowing below your already competitive interest rate. Our unique structure may also save you money on your closing costs. 

Farm Credit also cares about the same things you do and we are involved in causes that promote the well-being of our agricultural and rural communities. This includes leveraging partnerships with other agricultural affiliates to benefit our members.

At Farm Credit, you will have a great loan and so much more!

Farm Credit of Northwest Florida is here to help rural America grow, and we have the resources and stability to meet all your lending needs. Contact us today to see how we can help you.

Why Choose Us? Learn About Interest Rebates

The Farm Credit System

Farm Credit of Northwest Florida is part of the national Farm Credit System which was created in 1916 to provide a reliable source of credit for the nation’s farmers and ranchers. Today, the System provides more than one-third of the credit needed by those who live and work in rural America.

Farm Credit is your local association. We are one of the largest agricultural and rural lenders in Florida and know the industry inside and out.

We are affiliated with AgFirst Farm Credit Bank in Columbia, S.C. Farm Credit member-owners have long enjoyed the benefits of doing business with local offices, where people know their business, their community and their market.

We knew then what we know today—that agriculture can be a challenging business and Farm Credit is committed to its success. Local service with national stability. We are Farm Credit – contact us today and see how we can serve you.

Board of Directors

Our Board consists of 11 members. Nine of our directors are member-owners, elected by our stockholders, and two of our directors are appointed by the board to bring greater diversity and experience to the group.

The elected members of the board have vast experience in agriculture and business. They provide direction and focus to the management team.

View our audit committee charter.

Representing East Region counties:

Liberty, Gadsden, Leon, Wakulla, Franklin, Jefferson, Madison and Taylor

Central Region

Representing Central Region counties:

Holmes, Washington, Bay, Jackson, Calhoun and Gulf

James R.


Outside Director



Board Member

West Region

Representing West Region counties:

Escambia, Santa Rosa, Okaloosa and Walton



Board Member



Board Member



Board Member