Skip Navigation
Back to Top


Financing the rural lifestyle.

You need a lender you can trust. Someone who understands your goals and has a stake in your success. At Farm Credit, we're the experts in agriculture, with over 100 years of experience in financing farms, land, homes, and more.

How Farm Credit Works

Our association is just one of many within the Farm Credit System - a nationwide network of customer-owned cooperatives.

Watch Video

Cooperative Business Model

Unlike a traditional bank, we’re owned by the customers we serve. Customers become member-owners and have a voice in how the association does business. As a cooperative, member needs are our priority.

farmer talks to loan officer against fence
principles icon

Voluntary & Open Membership

Any eligible borrower may do business with Farm Credit.

close up of filling out voting ballot
principles icon

Democratic Member Control

Every member has a voice and a vote.

U.S. dollars growing out of dirt
principles icon

Members Economic Participation

Members share in the profits when the association has a good year.

Three young men, standing in pasture
principles icon

Autonomy & Independence

Owned by the very members it serves.

Man speaks to crowd of people
principles icon

Education, Training & Information

Providing valuable educational opportunities for members and local communities.

Two farmers shaking hands
principles icon

Cooperation Among Cooperatives

Networking with other cooperatives benefits the association, and members.

young people learn from beekeeper about bees
principles icon

Concern For Community

Supporting our local western Arkansas communities where our members and employees live and work.

Patronage & Member Benefits

Patronage Cash

As a member of Farm Credit, one of the most important financial benefits is sharing in the profits of the association through Patronage Cash. Patronage reduces the cost of borrowing by returning a portion of our net income to our borrowers based on the proportion of interest paid on their loan and total interest earned by the association.

We’re sharing $11.5 million in 2021 profits with our members in 2022, bringing our total to more than $151.5 million since 1997.

Patronage Cash
Funds Held

Member Benefits

Funds Held

Earn interest on prepayment funds. Members can invest up to the amount of their principal balance and earn interest on their funds. 

Customers tell us they like Funds Held because of the savings and because it's also a safety net when cash-flow is tight.

  • Make future loan payments
  • Pay taxes or insurance
  • Be used for other needs, as approved

Farm Cash Management

FCM allows you to automatically invest your RLOC overage in AgriBank, the nation's largest Farm Credit institution. Contact your local branch office for complete details.

This is not an offer for the sale of Farm Cash Management® (FCM®) investment accounts or AgriBank Money Market investments. FCM is an investment in AgriBank bonds. Such investments are not insured by or a direct obligation of the United States government. FCM investments can only be purchased directly from AgriBank, FCB. Carefully review the disclosure information provided to all prospective purchasers prior to purchasing. Farm Credit associations are not authorized to represent AgriBank regarding such investment accounts. You should not rely on any statement or opinion of our associations or personnel in deciding upon the safety and soundness of FCM accounts or their suitability for your particular situation. Certain terms and conditions apply to FCM accounts.

Back to Top