Member Perks


Being a member of a customer-owned cooperative like Alabama Ag Credit has several advantages. In addition to providing a wide range of products at competitive rates, we operate our business in a way that always keeps our members’ best interests in mind.


When you borrow from Alabama Ag Credit, you become a stockholder and part owner in the cooperative, entitling you to your fair share of the earnings. Learn how our patronage program effectively lowers borrowing costs.

Go to Patronage

Referral Program

A happy customer is the best advertising for Alabama Ag Credit. Through our referral program, existing customers who successfully refer new business to the cooperative could qualify for a $100 gift card.

Go to Referral Program

Customer Discounts

Alabama Ag Credit members are also part of the nationwide Farm Credit System, entitling them to discounts on products and services from several major brands. Find out about the benefits of Farm Credit’s Passkey Program.

Go to Customer Discounts

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