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All Blocks

Copy Blocks test

Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.

Copy Only

Ready for QA

Block Type:

Custom Block

Required Fields:

Header, Variation

Optional Fields:

Eyebrow, Body, Buttons

There are 3 Variations for this block.

  1. Large Header 
    All content is display on the left side of the block in 1 column. The header is also using the larger class style.
  2. Columns – Equal 
    The header and eyebrow is displayed on the left and the body text and buttons are on the right. The columns are nearly equal in size.
  3. Columns – Unequal
    Similar to the “Equal” variation, but the left column (eyebrow and header) is smaller than the right column (body text and buttons).

Eyebrow

Header Text

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Eyebrow

Header Text

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Eyebrow

Header Text

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Inline Link

Ready for QA

Block Type:

Custom Block

Helpful Links

Ready for QA

Block Type:

Custom Block

Child Block:

Helpful Link

Optional Fields:

Eyebrow, Header, Body

Simple Card Grid

Ready for QA

Block Type:

Custom Block

Child Block:

Simple Card

Optional Fields:

Header

Variation

  • color-fill: Applies a solid background color to the entire card.
  • stroke: Card has a transparent background with a colored border (outline only)

Card Size:

  • large: Designed for wider layouts. When used outside of a container, fits around 3 cards per row (depending on screen size).
  • small: Has a smaller minimum width (~280px). When used outside of a container, fits around 4–5 cards per row.
Header
Title

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Click here to edit the Simple Card Grid Block

Title
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  2. Maecenas vitae arcu orci rhoncus suspendisse.
  3. Cursus euismod feugiat lectus laoreet purus lacus.
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Title

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Title
Title

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Title

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Header
Title

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Title

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Title

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Title

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Title

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Masonry Grid

Ready for QA

Block Type:

Custom Block

Title 1

Sign Up

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Title 2

Sign Up

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Title 3

Sign Up

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  • Lorem ipsum dolor sit amet consectetur.
  • Maecenas vitae arcu orci rhoncus suspendisse.
  • Cursus euismod feugiat lectus laoreet purus lacus.
  • Ultrices arcu tempus facilisis vitae elit
Title 4

Sign Up

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Accordions with copy

Ready for QA

Block Type:

Custom Block

Child Block:

Accordion

Required Fields:

Header

Optional Fields:

Eyebrow, Body, Buttons

This does not pull FAQs from the module.

Eyebrow

Header

Body

Body

Title

Body

Title

Body

Title

Body

Accordions Only

Ready for QA

Block Type:

Custom Block

Child Block:

Accordion

This does not pull FAQs from the module.

Title

Body

Title

Body

Contact Form

Ready for QA

Block Type:

Custom Block

Required Fields:

Header, To Address

Optional Fields:

Eyebrow, Body

Contact us

Have more questions?

Whether you’re ready to get started or just have a few questions, we’re here to help. Fill out the form and someone from our team will reach out with the answers and support you need to move forward.

Preferred contact method

Contact us

Have more questions?

Whether you’re ready to get started or just have a few questions, we’re here to help. Fill out the form and someone from our team will reach out with the answers and support you need to move forward.

Preferred contact method

Contact us

Have more questions?

Whether you’re ready to get started or just have a few questions, we’re here to help. Fill out the form and someone from our team will reach out with the answers and support you need to move forward.

Preferred contact method

Media Blocks

Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.

Side Bar

Ready for QA

Block Type:

Custom Block

Optional Fields:

Include Apply/Lender Button, Include Contact Form, Image, Callout Text/Subtext, Button

Any block can be added to the left side of the Sidebar Block, but I suggest editing or checking the padding once added.

Custom Line Spacer

Ready for QA

Block Type:

Custom Block

Optional Fields:

Margin Top/Bottom, Mobile Margin Top/Bottom

Copy with Image Overlap

Ready for QA

Block Type:

Custom Block

Required Fields:

Header, Background

Optional Fields:

Eyebrow, Body, Buttons

Iphones with Alabama Ag banking app open on them

Eyebrow

Header

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Iphones with Alabama Ag banking app open on them

Eyebrow

Header

Lorem ipsum dolor sit amet consectetur. Maecenas vitae arcu orci rhoncus suspendisse. Cursus euismod feugiat lectus laoreet purus lacus. Ultrices arcu tempus facilisis vitae elit

Iphones with Alabama Ag banking app open on them

Eyebrow

Header

Lorem ipsum dolor sit amet consectetur. Maecenas vitae arcu orci rhoncus suspendisse. Cursus euismod feugiat lectus laoreet purus lacus. Ultrices arcu tempus facilisis vitae elit

Iphones with Alabama Ag banking app open on them

Eyebrow

Header

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Flipbook

Ready for QA

Block Type:

Custom Block

Child Block:

Flipbook Page

Required Fields:

Header

Optional Fields:

Eyebrow, Body

Eyebrow

Lorem ipsum dolor sit 

Lorem ipsum dolor sit amet consectetur. Maecenas vitae arcu orci rhoncus suspendisse. Cursus euismod feugiat lectus laoreet purus lacus. Ultrices arcu tempus facilisis vitae elit

Lorem ipsum dolor sit amet consectetur. Maecenas vitae arcu orci rhoncus suspendisse. Cursus euismod feugiat lectus laoreet purus lacus. Ultrices arcu tempus facilisis vitae elit

Lorem ipsum dolor

Lorem ipsum dolor

Lorem ipsum dolor sit amet consectetur. Maecenas vitae arcu orci rhoncus suspendisse.

Lorem ipsum dolor

 man with cows

Title

Subtitle

Body

Title

Alabama Ag leaf placeholder

Title

Subtitle

Body

Title

Alabama Ag leaf placeholder

Eyebrow

Lorem ipsum dolor sit 

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Lorem ipsum dolor sit amet consectetur. Maecenas vitae arcu orci rhoncus suspendisse. Cursus euismod feugiat lectus laoreet purus lacus. Ultrices arcu tempus facilisis vitae elit

Lorem ipsum dolor

Lorem ipsum dolor

Lorem ipsum dolor sit amet consectetur. Maecenas vitae arcu orci rhoncus suspendisse.

Lorem ipsum dolor

 man with cows

Lorem ipsum dolor

Lorem ipsum dolor

Lorem ipsum dolor sit amet consectetur. Maecenas vitae arcu orci rhoncus suspendisse.

Lorem ipsum dolor

Alabama Ag leaf placeholder

Lorem ipsum dolor

Lorem ipsum dolor

Lorem ipsum dolor sit amet consectetur. Maecenas vitae arcu orci rhoncus suspendisse.

Lorem ipsum dolor

Alabama Ag leaf placeholder

Lorem ipsum dolor

Lorem ipsum dolor

Lorem ipsum dolor sit amet consectetur. Maecenas vitae arcu orci rhoncus suspendisse.

Lorem ipsum dolor

Alabama Ag leaf placeholder

Lorem ipsum dolor

Lorem ipsum dolor

Lorem ipsum dolor sit amet consectetur. Maecenas vitae arcu orci rhoncus suspendisse.

Lorem ipsum dolor

Alabama Ag leaf placeholder

Blog Teaser

Ready for QA

Block Type:

Custom Block

Optional Fields:

Header, Button

Media with Copy

Ready for QA

Block Type:

Custom Block

Required Fields:

Header, Image, Media Side, Button Variation

Optional Fields:

Eyebrow, Body, Supporting Copy, Buttons

Button Variations:

  • Option 1: Buttons appear in a row with the first button being the Main Green, the second Main Green with Arrow, and third is Gray.
  • Option 2: Buttons appear in a column with all buttons being the Gray style.

Eyebrow

Header

Body

Supporting copy

Alabama Ag leaf logo default placeholder

Eyebrow

Header

Body

Supporting copy

 2024 Annual Repot Image

Card with Image Grid

Ready for QA

Block Type:

Custom Block

Child Block:

Card with Image

Optional Fields:

Header

Copy with Cards

Ready for QA

Block Type:

Custom Block

Child Block:

Card

Required Fields:

Header

Optional Fields:

Eyebrow, Body, Buttons

Eyebrow

Header

Body

Feature Card

Ready for QA

Block Type:

Custom Block

Child Block:

Card with Icon

Optional Fields:

Padding, Mobile Padding

Custom Modules / Integrations

Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.

Locations Map

In Development

Block Type:

Custom Block

Administrative Office
Administrative Office

334-270-8687

Learn More

Tuscaloosa Branch
Tuscaloosa Branch

205-946-5200

Learn More

Selma Branch
Selma Branch

334-874-7437

Learn More

Opelika Branch
Opelika Branch

334-749-3303

Learn More

Montgomery Branch
Montgomery Branch

334-270-8686

Learn More

Monroeville Branch
Monroeville Branch

251-743-2865

Learn More

Gulf Coast Branch
Gulf Coast Branch

251-626-2929

Learn More

Enterprise Branch
Enterprise Branch

334-347-6954

Learn More

Dothan Branch
Dothan Branch

334-793-9811

Learn More

Demopolis Branch
Demopolis Branch

334-289-0137

Learn More

Leadership Block

Ready for QA

Block Type:

Custom Block

Custom Module:

Staff & Staff Categories

Larry Gibson, Jr.
Larry Gibson, Jr.

Chairman

West Region

Carl Sanders
Carl Sanders

Vice Chairman

Wiregrass Region

Annie Dee
Annie Dee

Director

At Large

Bradfield Evans
Bradfield Evans

Director

Central Region

Mark Platt
Mark Platt

Director

Gulf Coast Region

Richard Meadows
Richard Meadows

Director

At Large

Roman McLeod
Roman McLeod

Director

Appointed

Richard Stabler
Richard Stabler

Director

Appointed

Nick Hartley
Nick Hartley

President, Chief Executive Officer

Chris Higbe
Chris Higbe

SVP, Chief Credit Officer

Keith McKinley
Keith McKinley

SVP, Chief Lending Officer

Heather Smith
Heather Smith

SVP, Chief Financial Officer

John Dorrill
John Dorrill

VP, AgFast Credit

Ben Elliott
Ben Elliott

RVP, Relationship Manager

Tony Hallman
Tony Hallman

VP, Senior Appraiser

Brent Howard
Brent Howard

VP, Controller

Dallas Pradat
Dallas Pradat

VP, Agribusiness & Development

Amber Pratt
Amber Pratt

VP, Marketing & Communications

Matt Satcher
Matt Satcher

VP, Information Systems

Scott Sellers
Scott Sellers

VP, Risk, Audit & Compliance

Susan Story
Susan Story

VP, Human Resources

Kevin Vest
Kevin Vest

VP, Regional Credit Administrator

Dale Williamson
Dale Williamson

RVP, Relationship Manager

Stephen Baine
Stephen Baine

23-25 (Wiregrass)

Hunter Langston
Hunter Langston

Clanton, AL

Shelby Marsh
Shelby Marsh

23-25 (West)

Michael Norman
Michael Norman

23-25 (Wiregrass)

Greg Resmondo
Greg Resmondo

23-25 (Gulf Coast)

Sarah Temple
Sarah Temple

23-25 (Wiregrass)

Larry Gibson, Jr.
Larry Gibson, Jr.

Chairman

West Region

Mr. Gibson resides in Aliceville, Alabama, and is president and owner of Gibson Forest Management, Inc., a forestry consulting firm established in 1994, and Gibson Timberlands, LLC, a land and timber company. He manages approximately 60,000 acres of timberland for clients in West Alabama and East Mississippi, where he provides complete forest management services, and he owns approximately 2,000 acres of timberland, where timber and wildlife are the primary commodities. Mr. Gibson is a member of the Alabama Forestry Association, the Society of American Foresters (past state chair), the Association of Consulting Foresters (past state chair), and Alabama Farmers Federation of Pickens County, having served on the boards of each organization. He currently serves as a member of the Pickens County Industrial Board (industrial development). Mr. Gibson earned a bachelor’s degree in Forest Management from Mississippi State University. He is a trustee at Hebron United Methodist Church.

Carl Sanders
Carl Sanders

Vice Chairman

Wiregrass Region

Mr. Sanders resides in Roeton, Alabama, and has been farming full time all of his adult life. He farms in partnership with his son on 1,000 acres, where the primary commodities produced are peanuts, cotton and corn. In addition, Mr. Sanders has a 100‐head brood cow operation. Mr. Sanders serves as president of the Alabama Peanut Producers Association (peanut promotion), a director of the American Peanut Council (peanut promotion), a member of the Peanut Standards Board (peanut promotion), president of the Coffee County Farmers Federation (agricultural federation), and a director of the Alabama 4‐ H Club Foundation (resources for promotion of youth in agriculture). Mr. Sanders earned a bachelor’s degree in Agricultural Science from Auburn University.

Annie Dee
Annie Dee

Director

At Large

Ms. Dee resides in Aliceville, Alabama, and has been farming all of her adult life. She is president and part owner of Dee River Ranch, a family‐operated 10,000‐acre farm where the principal commodities produced are corn and soybeans. In addition, Dee River Ranch has over 1,000 head of Brahman and Angus crossbred cattle, along with pine and hardwoods planted on part of the farm. Ms. Dee is part owner and manager of Dee Farm, a general partnership that runs the farming operations located at Dee River Ranch, and Dee Farm Equipment, LLC. The farm also engages in collaborations with several universities in irrigation research projects, and crop variety and fungicide trials. In addition to her work on the farm, Ms. Dee’s affiliations and board service include the Alabama Soybean and Corn Association (agricultural commodity promotion), the Pickens County Farmers Federation (agricultural federation), the West Alabama Food Bank (storing and distributing food for hunger relief), the Advisory Board for the Soybean Innovation Lab administered through University of Illinois, and the USDA Cover Crop Advisory Board. Ms. Dee is a Soil Health Partner for the National Association of Conservation Districts and also serves as a lead farmer for the Farm Journal Foundation. In addition, she serves on the NRCS State Advisory Board, the Simplot Grower Solutions Grower Council, and the Agriculture Advisory Council of the Birmingham branch of the Federal Reserve Bank of Atlanta. Formerly, Ms. Dee was a member of Pickens County Cattlewomen (past president), New Era Arts Club (past president), and Corpus Christi Parish Council (past president). She also served on the advisory committee for Auburn University Forestry Department and Auburn University Integrated Pest Management. Additionally, she served on the boards of the United Soybean Board and the Alabama Soybean Producers and has worked with the Howard G. Buffett Foundation on “Invest an Acre” and “Harvesting the Potential” programs. Ms. Dee earned a bachelor’s degree in Animal Industries from Clemson University, attends Corpus Christi Church.

Bradfield Evans
Bradfield Evans

Director

Central Region

Mr. Evans resides in Hope Hull, Alabama. He and his wife, Kathleen, have two children. Mr. Evans has been raising cattle since 2010 and has been a full-time seedstock cattleman since 2015. He and his family operate CK Cattle, a Lowndes County-based farming operation encompassing 3,100 acres of owned and leased pastureland. The cattle operation includes a base herd of approximately 700 registered Angus, Chiangus, and SimAngus cows. The farm markets over 250 bulls each year. They also grow 200 acres of corn silage and 400 acres of Bermuda hay. Mr. Evans serves on the board and is the immediate past president of the Lowndes County Cattlemen’s Association (beef promotion) and chair of Dallas/Lowndes FSA County Committee (USDA Programs). He also serves on the boards of the Alabama Farmers Federation for Lowndes County (agricultural federation) and Alabama Ag Credit, ACA (agricultural credit and related services). In addition, he is a member of the Southeastern Livestock Exposition. Mr. Evans formerly served as state chair of the Alabama Cattlemen’s Association Young Cattlemen’s Leadership Program Council and has participated as Alabama’s delegate to NBCA’s Young Cattlemen’s Conference (2018). He is a graduate of Auburn University with a Bachelor of Science in Fisheries Management. Mr. Evans is chairman of the deacons at Hayneville Baptist Church and teaches a third- through sixth‐grade boys Sunday school class.

Mark Platt
Mark Platt

Director

Gulf Coast Region

Mr. Platt resides in Fruitdale, Alabama, and has been farming full time for the past 23 years. He is co‐owner of Platt Farms, a Washington County‐based operation that includes 950 acres where principal commodities produced are poultry, soybeans, hay, peanuts, feed grains, cattle and timber. Mr. Platt serves on the boards of Washington County Soil and Water Conservation District (soil and water conservation), Washington County Farmers Federation (agricultural federation) and the Clark‐Washington Farm Service Agency (USDA programs). Mr. Platt is a member of Alabama Farmers Federation, Alabama Cattlemen’s Association, and Alabama Peanut Producers Association. Mr. Platt attended Alabama Southern, where he earned an associate degree in Industrial and Business Technology.

Richard Meadows
Richard Meadows

Director

At Large

Mr. Meadows resides in Columbia, Alabama, with his wife, Kathy, and they have three sons. He has been involved in the farming business most of his life. Mr. Meadows is an area sales manager for WB Fleming Mineral Company, where he has worked for 17 years. The company is a producer of livestock minerals and is based in Tifton, Georgia, with Mr. Meadows’ sales territory covering central and south Alabama and the Florida panhandle. Mr. Meadows is a partner with his brother and other family members in Meadows Creek Farm, LLC, a cattle operation partnership formed in 1985 and based in Houston County, Alabama, focusing on seedstock production of Charolais, Angus and SimAngus cattle. He also raises commercial cattle and market feeder calves through SAFE feeder calf sale. Meadows Creek Farm also grows corn silage, grain sorghum and small grains for cattle feed. Mr. Meadows is past president and current board member of Houston County Cattlemen’s Association (treasurer) and Alabama Charolais Association. He is also a past president and now treasurer of Alabama Cattlemen’s Association (cattle promotion). Mr. Meadows earned a Bachelor of Science degree in Animal and Dairy Science from Auburn University and a Master of Business Administration degree with concentration in Agricultural Economics from Auburn University. Mr. Meadows is a deacon at Watermark Church in Ashford, Alabama.

Roman McLeod
Roman McLeod

Director

Appointed

Mr. McLeod resides in Pike Road, Alabama, and has 25 years of experience in the financial industry. He currently serves as the director of the Office of Cash Management at Auburn University, a position he has held for nine years. Previously he served in leadership positions with the State of Alabama, Office of State Treasurer for 11 years. Mr. McLeod has also served in various roles in commercial banking for six years. He is a certified public manager and is a graduate of Leadership Montgomery. Mr. McLeod earned a Bachelor of Science degree in Business at the University of North Alabama. Mr. McLeod also serves on the board of trustees for Beulah Baptist Church.

Richard Stabler
Richard Stabler

Director

Appointed

Mr. Stabler resides in Fairhope, Alabama, and is a retired CPA. Mr. Stabler has over 42 years of experience in public accounting and is retired from service as a member/partner with the accounting firm Warren Averett, LLC. He served on the firm’s Executive Committee and was chair of the firm’s Office Managing Member Council for nine years and served as the office managing member of the Montgomery office of the firm for 10 years. Mr. Stabler also serves on the board of directors of Montgomery based Whitfield Foods Inc., a company specializing in packaging of beverage, retail syrup and other food products, and on the board of CDG Inc., a southeast regional engineering and consulting firm based in Andalusia. Mr. Stabler also serves on the board of Leadership Alabama, an Alabama‐focused leaders educational organization, and the Alabama Shakespeare Festival, a Montgomery‐based nonprofit organization that provides a variety of theatrical performances and educational and community programs. Mr. Stabler earned a bachelor’s degree in Accounting from Troy University.

Nick Hartley
Nick Hartley

President, Chief Executive Officer

Nick Hartley serves as the Chief Executive Officer of Alabama Ag Credit, and has been in the Farm Credit System since 2008. Before joining Alabama Ag Credit, Nick was the Chief Lending Officer at AgGeorgia Farm Credit, where he played a vital role in driving financial growth and fostering strong relationships within the agricultural community. Nick holds a bachelor’s degree from the University of Georgia, an MBA from Mercer University, and is a graduate of the LSU School of Banking. His career has been defined by his strategic vision, leadership, and dedication to supporting rural communities and agriculture.

Chris Higbe
Chris Higbe

SVP, Chief Credit Officer

Higbe joined Alabama Ag Credit in 2011 and has been chief credit officer since 2012, managing the credit risks for the association. Higbe has more than twenty years of commercial banking experience and serves on the board of the Alabama Agribusiness Council. He holds bachelor’s degrees in general business and accounting from Auburn University at Montgomery.

Keith McKinley
Keith McKinley

SVP, Chief Lending Officer

McKinley has been with Alabama Ag Credit since 2017. In addition, he has nearly two decades of experience in the financial industry, including time as the President & CEO of a credit union in South Alabama. At Alabama Ag Credit McKinley drives the business development strategy for the association by shaping and guiding the relationship management and lending teams. McKinley holds a bachelor’s degree in political science from Auburn University.

Heather Smith
Heather Smith

SVP, Chief Financial Officer

Smith joined Alabama Ag Credit in 2022 with over 24 years of experience in accounting and auditing roles and has served the last eight years as vice president and controller inside the Farm Credit System. A seasoned Certified Internal Controls Auditor, Smith is a native of Cullman, Alabama, and graduated from Athens State College with a Bachelor’s of Business Administration in Accounting.

John Dorrill
John Dorrill

VP, AgFast Credit

Dorrill joined Alabama Ag Credit in 2014 and has been the VP, Credit Officer since 2016. In 2020 Dorrill became the Vice President of Credit for AgFast Loans. Working in credit since 1991, Dorrill spent twenty-three years with the USDA Farm Service Agency. He holds a bachelor’s degree in business management from Auburn University.

Ben Elliott
Ben Elliott

RVP, Relationship Manager

NMLS#615947

Tony Hallman
Tony Hallman

VP, Senior Appraiser

Hallman joined Alabama Ag Credit in 2005 and has been the Chief Appraiser since 2013. He came to Alabama Ag Credit with five years of experience as a part-owner and procurement forester for a timber dealership operation. A Certified General Appraiser and Alabama Registered Forester, he holds a bachelor’s degree in forestry from Auburn University.

Brent Howard
Brent Howard

VP, Controller

Brent Howard started with Alabama Ag Credit in February 2022. He has over 25 years of accounting experience primarily in the electric cooperative field. He also worked in the municipal electric industry as well as in public accounting. Howard also served in the U.S. Army and participated in Operation Desert Shield/Desert Storm. Howard earned a bachelor’s degree in Accounting from Jacksonville State University.

Dallas Pradat
Dallas Pradat

VP, Agribusiness & Development

Amber Pratt
Amber Pratt

VP, Marketing & Communications

Pratt joined Alabama Ag Credit in 2017 with more than 10 years of experience in the field of advertising and communications. At Alabama Ag Credit, Pratt directs all the adverting and communication activities. Prior to joining Alabama Ag Credit, she worked as an executive branding specialist, where she consulted with high-profile clients, including several Farm Credit system associations, to help with branding and promotions. Pratt earned a master’s degree in strategic communication from Troy University.

Matt Satcher
Matt Satcher

VP, Information Systems

Satcher joined Alabama Ag Credit in 2013 and has been the Vice President of Information Systems since 2019. He came to Alabama Ag Credit with twelve years of experience managing the information technology systems for a domestic and international insurance company. Satcher holds bachelor’s degrees in Management Information Systems and Marketing from the University of Mississippi.

Scott Sellers
Scott Sellers

VP, Risk, Audit & Compliance

Sellers joined Alabama Ag Credit in 2003 with more than 10 years of experience in public accounting. He also worked for four years in a family-owned forestry consulting and rural real estate brokerage firm. A certified public accountant, he holds a bachelor’s degree in accounting from Auburn University and a master of business administration degree with an emphasis in finance from Auburn University at Montgomery.

Susan Story
Susan Story

VP, Human Resources

Story joined Alabama Ag Credit in 2018 with more than 20 years of experience in human resources in both the corporate and private sectors of business. She has held management-level positions in Human Resource Management in the staffing, communications, hospitality, and finance industries. Story holds a bachelor’s degree in business administration and a master’s degree in Human Resource Management. She is also certified as a Senior Professional in Human Resources (SHRM-SCP). Susan has been an active member of the Society of Human Resource Management (SHRM) both on the national and local level since 2007.

Kevin Vest
Kevin Vest

VP, Regional Credit Administrator

Kevin Vest has 25 years of experience in field of accounting and finance and currently serves in the role of Regional Credit Administrator. He began his journey at Alabama Ag Credit in 2007, initially serving as the Controller. In this role, he oversaw the company's financial operations and insured the integrity of financial reporting. In 2013, Vest transitioned to the credit department, bringing his extensive expertise in accounting and finance to a new domain. This move marked a significant shift in his career, allowing him to expand his skill set and contribute to AAC's credit management strategies. Vest holds both a Bachelor's Degree in Accounting and an MBA with an emphasis in accounting from Auburn University at Montgomery (AUM). In addition to his academic achievements, he is also a Certified Public Accountant.

Dale Williamson
Dale Williamson

RVP, Relationship Manager

NMLS#615940

Stephen Baine
Stephen Baine

23-25 (Wiregrass)

Hunter Langston
Hunter Langston

Clanton, AL

Shelby Marsh
Shelby Marsh

23-25 (West)

Michael Norman
Michael Norman

23-25 (Wiregrass)

Greg Resmondo
Greg Resmondo

23-25 (Gulf Coast)

Sarah Temple
Sarah Temple

23-25 (Wiregrass)

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Who is eligible to borrow?

We lend to full-time and part-time farmers, land buyers, rural homeowners, and anyone involved, or planning to become involved, in agriculture or rural property ownership. Approval is based on creditworthiness.

Do I have to be a farmer to get a loan?

No. Although many borrowers are farmers, we also finance rural properties for non-farming individuals.

Does Alabama Ag Credit make home loans?

Yes. We offer financing for purchasing, constructing, and improving rural homes, including homesite loans for future home construction.

Does Alabama Ag Credit make payday or personal loans?

No. We finance land, rural homes, agricultural operations, livestock, equipment, and agribusiness needs. If you're a full-time farmer, we also offer a wide range of credit solutions.

What is a patronage refund?

After board approval, our cooperative distributes earnings (minus expenses and reserves) to stockholders. For borrowers, this means getting back a portion of interest paid, which reduces your cost of borrowing.

How is Alabama Ag Credit different than a traditional bank?

A: Alabama Ag Credit is a borrower-owned cooperative, not a traditional bank. That distinction shapes how we operate, how we serve our customers, and how we reinvest in rural communities.

1. We’re a Cooperative, Not a Bank

When you borrow from Alabama Ag Credit, you become a member-owner. That gives you voting rights, a voice in how we’re governed, and eligibility for patronage refunds. Traditional banks serve outside shareholders. We serve you.

2. We Return Profits to You

Each year, we return a portion of our earnings to our borrower-owners through patronage refunds. This reduces your effective interest rate, something traditional banks don’t do. At Alabama Ag Credit, our profits come back to the people who helped generate them.

3. We Specialize in Rural and Agricultural Financing

Unlike banks that try to do it all, we focus solely on:

  • Land and recreational property loans
  • Farm and agribusiness financing
  • Rural homes and homesites
  • Livestock, equipment, and operating lines of credit

That means you work with lenders who understand farming, forestry, and rural property from the ground up.

4. We Don’t Take Deposits

We’re not a depository institution. That means we don’t offer checking or savings accounts, and we don’t compete with your local bank or credit union for deposits. We’re a lending partner, not a full-service retail bank.

5. We’re Backed by the Farm Credit System

Alabama Ag Credit is part of the nationwide Farm Credit System, created over a century ago to support rural communities and agriculture. Our funding is stable, mission-driven, and focused entirely on rural America.

6. We Build Long-Term Relationships

Our team lives and works in the communities we serve. We’re relationship lenders, not one-size-fits-all bankers. You’ll work with someone who understands your goals, your land, and your legacy.

What does it mean to be a member-borrower?

When you borrow from Alabama Ag Credit, you become more than a customer, you become a co-op owner. That means voting rights, a voice in elections, and a share in our annual profits.

Why do I need to buy stock?

Your stock is your ownership share in the cooperative and fully refundable once your loan is paid off.

Who is eligible to borrow?

We lend to full-time and part-time farmers, land buyers, rural homeowners, and anyone involved, or planning to become involved, in agriculture or rural property ownership. Approval is based on creditworthiness.

Do I have to be a farmer to get a loan?

No. Although many borrowers are farmers, we also finance rural properties for non-farming individuals.

Does Alabama Ag Credit make home loans?

Yes. We offer financing for purchasing, constructing, and improving rural homes, including homesite loans for future home construction.

Does Alabama Ag Credit make payday or personal loans?

No. We finance land, rural homes, agricultural operations, livestock, equipment, and agribusiness needs. If you're a full-time farmer, we also offer a wide range of credit solutions.

What collateral is required?

Real estate loans require a first-lien mortgage on the financed property. Operating, livestock, and equipment loans are typically secured by crops, livestock, equipment, receivables, or other business assets.

How much can I borrow?

At Alabama Ag Credit, the amount you’re eligible to borrow isn’t just a number—it reflects our shared commitment to your success and the prosperity of rural communities.

We tailor financing based on:

  • Your financial strength: We assess your credit, income, and overall financial health.
  • Your repayment capacity: We look closely at how your cash flow and operation can support timely repayments.
  • The value of your collateral: Real estate loans require a first lien on the property; operating, livestock, and equipment loans are secured by farm assets such as crops, livestock, inventory, machinery, and receivables.
What are your current interest rates?

Rates vary based on loan type, term, and borrower profile. In addition to competitive initial rates, your patronage refund contributes to lowering your effective borrowing cost. Contact a loan officer for personalized pricing.

What do I need to begin the loan process?

Visit our loan application page for a checklist of required items, or reach out to a loan officer for a personalized walkthrough. Click here to continue

Where do I mail my payment?

While you can mail your payment to the below address, we encourage all customers to setup payments on ABOL.

Mailed Payments:
P.O. Box 242907
Montgomery, AL 36124

Do you accept loan payments over the phone?

We offer alternatives such as online/mobile banking and automatic payments. You can also make debit card payments directly here.

What is Digital Banking?

It’s your secure, 24/7 online portal, designed for easy access to your loan balances, payment options, and year-end tax documents.

How do I enroll or reset my password?

Get started via our website or contact your loan officer for assistance with enrollment or resetting your credentials.

Can I access Digital Banking via mobile?

Yes, our mobile app (available on iOS and Android) brings your account right to your phone.

What if I'm locked out or need help?

Our Customer Service team is here Monday–Friday, typically responding within one business day. Call us at 334-270-8687 or submit a help request online.

Where does Alabama Ag Credit obtain funds to make loans?

Our funding comes from the sale of highly rated Farm Credit notes and bonds, issued through the Federal Farm Credit Banks Funding Corporation, representing all Farm Credit institutions, including our funding partner, Farm Credit Bank of Texas.

Why Choose Alabama Ag Credit?

You’re not just a borrower, you’re a cooperative member. With a legacy in the Farm Credit System, we’ve supported Alabama’s agriculture, landowners, and rural residents with time-tested financial solutions, community-first service, and shared financial benefits since 1916. Whether you’re growing a farming operation or building your dream home on the land, we’re here to help you succeed.

Quick Access Links:

Start a Loan Application 
Find a Loan Officer 
Digital Banking Help 

What are the financial benefits of borrowing from Alabama Ag Credit?

Because we’re owned by our customers, we return capital to members through dividends, stock reductions, and patronage refunds, this one-of-a-kind cooperative model lowers your overall borrowing costs.

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What is a patronage refund?

After board approval, our cooperative distributes earnings (minus expenses and reserves) to stockholders. For borrowers, this means getting back a portion of interest paid, which reduces your cost of borrowing.

How is Alabama Ag Credit different than a traditional bank?

A: Alabama Ag Credit is a borrower-owned cooperative, not a traditional bank. That distinction shapes how we operate, how we serve our customers, and how we reinvest in rural communities.

1. We’re a Cooperative, Not a Bank

When you borrow from Alabama Ag Credit, you become a member-owner. That gives you voting rights, a voice in how we’re governed, and eligibility for patronage refunds. Traditional banks serve outside shareholders. We serve you.

2. We Return Profits to You

Each year, we return a portion of our earnings to our borrower-owners through patronage refunds. This reduces your effective interest rate, something traditional banks don’t do. At Alabama Ag Credit, our profits come back to the people who helped generate them.

3. We Specialize in Rural and Agricultural Financing

Unlike banks that try to do it all, we focus solely on:

  • Land and recreational property loans
  • Farm and agribusiness financing
  • Rural homes and homesites
  • Livestock, equipment, and operating lines of credit

That means you work with lenders who understand farming, forestry, and rural property from the ground up.

4. We Don’t Take Deposits

We’re not a depository institution. That means we don’t offer checking or savings accounts, and we don’t compete with your local bank or credit union for deposits. We’re a lending partner, not a full-service retail bank.

5. We’re Backed by the Farm Credit System

Alabama Ag Credit is part of the nationwide Farm Credit System, created over a century ago to support rural communities and agriculture. Our funding is stable, mission-driven, and focused entirely on rural America.

6. We Build Long-Term Relationships

Our team lives and works in the communities we serve. We’re relationship lenders, not one-size-fits-all bankers. You’ll work with someone who understands your goals, your land, and your legacy.

What does it mean to be a member-borrower?

When you borrow from Alabama Ag Credit, you become more than a customer, you become a co-op owner. That means voting rights, a voice in elections, and a share in our annual profits.

Why do I need to buy stock?

Your stock is your ownership share in the cooperative and fully refundable once your loan is paid off.

Who is eligible to borrow?

We lend to full-time and part-time farmers, land buyers, rural homeowners, and anyone involved, or planning to become involved, in agriculture or rural property ownership. Approval is based on creditworthiness.

Do I have to be a farmer to get a loan?

No. Although many borrowers are farmers, we also finance rural properties for non-farming individuals.

Does Alabama Ag Credit make home loans?

Yes. We offer financing for purchasing, constructing, and improving rural homes, including homesite loans for future home construction.

Does Alabama Ag Credit make payday or personal loans?

No. We finance land, rural homes, agricultural operations, livestock, equipment, and agribusiness needs. If you're a full-time farmer, we also offer a wide range of credit solutions.

What collateral is required?

Real estate loans require a first-lien mortgage on the financed property. Operating, livestock, and equipment loans are typically secured by crops, livestock, equipment, receivables, or other business assets.

How much can I borrow?

At Alabama Ag Credit, the amount you’re eligible to borrow isn’t just a number—it reflects our shared commitment to your success and the prosperity of rural communities.

We tailor financing based on:

  • Your financial strength: We assess your credit, income, and overall financial health.
  • Your repayment capacity: We look closely at how your cash flow and operation can support timely repayments.
  • The value of your collateral: Real estate loans require a first lien on the property; operating, livestock, and equipment loans are secured by farm assets such as crops, livestock, inventory, machinery, and receivables.
What are your current interest rates?

Rates vary based on loan type, term, and borrower profile. In addition to competitive initial rates, your patronage refund contributes to lowering your effective borrowing cost. Contact a loan officer for personalized pricing.

What do I need to begin the loan process?

Visit our loan application page for a checklist of required items, or reach out to a loan officer for a personalized walkthrough. Click here to continue

Where do I mail my payment?

While you can mail your payment to the below address, we encourage all customers to setup payments on ABOL.

Mailed Payments:
P.O. Box 242907
Montgomery, AL 36124

Do you accept loan payments over the phone?

We offer alternatives such as online/mobile banking and automatic payments. You can also make debit card payments directly here.

What is Digital Banking?

It’s your secure, 24/7 online portal, designed for easy access to your loan balances, payment options, and year-end tax documents.

How do I enroll or reset my password?

Get started via our website or contact your loan officer for assistance with enrollment or resetting your credentials.

Can I access Digital Banking via mobile?

Yes, our mobile app (available on iOS and Android) brings your account right to your phone.

What if I'm locked out or need help?

Our Customer Service team is here Monday–Friday, typically responding within one business day. Call us at 334-270-8687 or submit a help request online.

Where does Alabama Ag Credit obtain funds to make loans?

Our funding comes from the sale of highly rated Farm Credit notes and bonds, issued through the Federal Farm Credit Banks Funding Corporation, representing all Farm Credit institutions, including our funding partner, Farm Credit Bank of Texas.

Why Choose Alabama Ag Credit?

You’re not just a borrower, you’re a cooperative member. With a legacy in the Farm Credit System, we’ve supported Alabama’s agriculture, landowners, and rural residents with time-tested financial solutions, community-first service, and shared financial benefits since 1916. Whether you’re growing a farming operation or building your dream home on the land, we’re here to help you succeed.

Quick Access Links:

Start a Loan Application 
Find a Loan Officer 
Digital Banking Help 

What are the financial benefits of borrowing from Alabama Ag Credit?

Because we’re owned by our customers, we return capital to members through dividends, stock reductions, and patronage refunds, this one-of-a-kind cooperative model lowers your overall borrowing costs.

Eyebrow

Header

What is a patronage refund?

After board approval, our cooperative distributes earnings (minus expenses and reserves) to stockholders. For borrowers, this means getting back a portion of interest paid, which reduces your cost of borrowing.

How is Alabama Ag Credit different than a traditional bank?

A: Alabama Ag Credit is a borrower-owned cooperative, not a traditional bank. That distinction shapes how we operate, how we serve our customers, and how we reinvest in rural communities.

1. We’re a Cooperative, Not a Bank

When you borrow from Alabama Ag Credit, you become a member-owner. That gives you voting rights, a voice in how we’re governed, and eligibility for patronage refunds. Traditional banks serve outside shareholders. We serve you.

2. We Return Profits to You

Each year, we return a portion of our earnings to our borrower-owners through patronage refunds. This reduces your effective interest rate, something traditional banks don’t do. At Alabama Ag Credit, our profits come back to the people who helped generate them.

3. We Specialize in Rural and Agricultural Financing

Unlike banks that try to do it all, we focus solely on:

  • Land and recreational property loans
  • Farm and agribusiness financing
  • Rural homes and homesites
  • Livestock, equipment, and operating lines of credit

That means you work with lenders who understand farming, forestry, and rural property from the ground up.

4. We Don’t Take Deposits

We’re not a depository institution. That means we don’t offer checking or savings accounts, and we don’t compete with your local bank or credit union for deposits. We’re a lending partner, not a full-service retail bank.

5. We’re Backed by the Farm Credit System

Alabama Ag Credit is part of the nationwide Farm Credit System, created over a century ago to support rural communities and agriculture. Our funding is stable, mission-driven, and focused entirely on rural America.

6. We Build Long-Term Relationships

Our team lives and works in the communities we serve. We’re relationship lenders, not one-size-fits-all bankers. You’ll work with someone who understands your goals, your land, and your legacy.

What does it mean to be a member-borrower?

When you borrow from Alabama Ag Credit, you become more than a customer, you become a co-op owner. That means voting rights, a voice in elections, and a share in our annual profits.

Why do I need to buy stock?

Your stock is your ownership share in the cooperative and fully refundable once your loan is paid off.

Who is eligible to borrow?

We lend to full-time and part-time farmers, land buyers, rural homeowners, and anyone involved, or planning to become involved, in agriculture or rural property ownership. Approval is based on creditworthiness.

Do I have to be a farmer to get a loan?

No. Although many borrowers are farmers, we also finance rural properties for non-farming individuals.

Does Alabama Ag Credit make home loans?

Yes. We offer financing for purchasing, constructing, and improving rural homes, including homesite loans for future home construction.

Does Alabama Ag Credit make payday or personal loans?

No. We finance land, rural homes, agricultural operations, livestock, equipment, and agribusiness needs. If you're a full-time farmer, we also offer a wide range of credit solutions.

What collateral is required?

Real estate loans require a first-lien mortgage on the financed property. Operating, livestock, and equipment loans are typically secured by crops, livestock, equipment, receivables, or other business assets.

How much can I borrow?

At Alabama Ag Credit, the amount you’re eligible to borrow isn’t just a number—it reflects our shared commitment to your success and the prosperity of rural communities.

We tailor financing based on:

  • Your financial strength: We assess your credit, income, and overall financial health.
  • Your repayment capacity: We look closely at how your cash flow and operation can support timely repayments.
  • The value of your collateral: Real estate loans require a first lien on the property; operating, livestock, and equipment loans are secured by farm assets such as crops, livestock, inventory, machinery, and receivables.
What are your current interest rates?

Rates vary based on loan type, term, and borrower profile. In addition to competitive initial rates, your patronage refund contributes to lowering your effective borrowing cost. Contact a loan officer for personalized pricing.

What do I need to begin the loan process?

Visit our loan application page for a checklist of required items, or reach out to a loan officer for a personalized walkthrough. Click here to continue

Where do I mail my payment?

While you can mail your payment to the below address, we encourage all customers to setup payments on ABOL.

Mailed Payments:
P.O. Box 242907
Montgomery, AL 36124

Do you accept loan payments over the phone?

We offer alternatives such as online/mobile banking and automatic payments. You can also make debit card payments directly here.

What is Digital Banking?

It’s your secure, 24/7 online portal, designed for easy access to your loan balances, payment options, and year-end tax documents.

How do I enroll or reset my password?

Get started via our website or contact your loan officer for assistance with enrollment or resetting your credentials.

Can I access Digital Banking via mobile?

Yes, our mobile app (available on iOS and Android) brings your account right to your phone.

What if I'm locked out or need help?

Our Customer Service team is here Monday–Friday, typically responding within one business day. Call us at 334-270-8687 or submit a help request online.

Where does Alabama Ag Credit obtain funds to make loans?

Our funding comes from the sale of highly rated Farm Credit notes and bonds, issued through the Federal Farm Credit Banks Funding Corporation, representing all Farm Credit institutions, including our funding partner, Farm Credit Bank of Texas.

Why Choose Alabama Ag Credit?

You’re not just a borrower, you’re a cooperative member. With a legacy in the Farm Credit System, we’ve supported Alabama’s agriculture, landowners, and rural residents with time-tested financial solutions, community-first service, and shared financial benefits since 1916. Whether you’re growing a farming operation or building your dream home on the land, we’re here to help you succeed.

Quick Access Links:

Start a Loan Application 
Find a Loan Officer 
Digital Banking Help 

What are the financial benefits of borrowing from Alabama Ag Credit?

Because we’re owned by our customers, we return capital to members through dividends, stock reductions, and patronage refunds, this one-of-a-kind cooperative model lowers your overall borrowing costs.

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Year Distributed

Amount

Lowered Borrowing Cost By

2025 $12,342,672 ~0.92%
2024 $12,125,304 ~0.93%
2023 $13,088,632 ~1.00%
2022 $12,132,310 ~1.00%
2021 $11,201,017 ~1.00%
2020 $9,797,396 ~0.95%
2019 $9,129,666 ~0.95%
2018 $8,493,566 ~0.94%
2017 $7,800,000 ~0.92%
2016 $7,400,000 ~0.92%

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Block Type:

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  • Description: A full-width hero with background image, headline, subtext, and CTA buttons. Designed to make a strong first impression.

  • Your hero block is fully customizable through the CMS with the following fields:

    • Video or Image

      • video_url: Supports a background MP4 video for dynamic visual impact.

      • background_image: Optional static fallback or alternative to video.

      • image_alt_text: Ensures accessibility and SEO for images.

    • Text Content

      • eyebrow: A small line of text above the main headline (e.g., “Welcome to…”).

      • header: The main headline that grabs attention. (Defaults to page title)

      • body: Rich text area for supporting messaging or subtext.

    • ​​​​​​​Buttons (Up to 2 CTAs)

      • button_text_1 & button_text_2: Label text for each button.

      • button_url_1 & button_url_2: Link destination.

      • button_file_1 & button_file_2: Optional file download instead of link.

      • cp_1 & cp_2: Allows linking directly to interior site pages.

      • button_target_1 & button_target_2: Choose whether links open in the same tab or a new one.

    • ​​​​​​​Image Positioning

      • image_position: Controls image alignment (e.g., center, top-left, bottom-right).

      • custom_image_position: Allows you to manually fine-tune position if needed.

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    • Header: A single headline or page title to introduce the section. (Defaults to page title)


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  • Options:

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    • Image Upload: Upload a supporting image and control its alignment using preset or custom positioning.

    • Header: A single headline or page title to introduce the section. (Defaults to page title)


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