AgCarolina is a member of the 100-year-old Farm Credit System, the largest provider of credit to American agriculture. As a member-owned financial services cooperative, we provide farmers, ranchers and agribusinesses with the greatest opportunity for success through low-cost financing and exceptional service.
As one of North Carolina’s leading agricultural lenders, we have more than $1 billion in outstanding loans to more than 3,000 members. Our 12 branch offices are located throughout eastern North Carolina and are governed by local directors, who are also farmers.
Unlike commercial banks, our cooperative structure means a portion of the profits generated from our lending activity is returned to our borrowers in the form of patronage refunds, which significantly reduce the cost of borrowing for our customers.
To enhance the quality of life for those in the rural communities of North Carolina by providing exceptional value and service.
To be the premier choice for delivering value-added financing and services to the rural communities of North Carolina.
Get a fabulous prize when you refer someone to AgCarolina for a loan of $10,000 or more.
Our directors are farmers too. Find out more about them.
Read our Code of Ethics and Fraud Statement.