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About Us

Save money, get more options and work with a lender who knows rural living.

Why Farm Credit?

Work with rural lending experts who understand your needs and care about the same things you do.

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Rural lending expertise

Buying and managing rural land, purchasing a home or running a farm operation are all challenging and significant investments. It helps to have a lender who understands rural living. At Farm Credit, our rural lending experts have the knowledge necessary to make your financing easier. 

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Loans that match your needs

One-size lending doesn't fit all. Not only do we offer a variety of interest rates, terms and repayment options, your lender can also work with you to lower your rate with no hassle and no costly refinance.

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Extra money in your pocket

As a lending cooperative, Farm Credit refunds excess profits to our members. With over $96 million in cooperative refunds to date, your cost of borrowing can be even lower than your already-competitive interest rate.

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Investment in our community

Farm Credit cares about the same thing you do and makes meaningful investments in our rural and agricultural communities. We educate communities about the importance of agriculture, host programs for landowners and farmers of all tenure and statuses and encourage youth pursuing careers in agriculture.

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Local service

The vast majority of our loans are serviced right here at home, allowing you to build relationships with a lender that knows you by name and truly understands your needs. 

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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.

A funding model that supports rural America 

We support rural communities and agriculture with reliable, consistent credit and financial services. Learn about our cooperative structure, unique funding model and how borrowers become owners. 



Grow Your Roots in the Country

Contact one of our loan officers to discuss your financing needs or apply now to get started.