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.
- 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. - 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. - 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
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. Mi nisl massa risus et nulla eu nisl maecenas. Pulvinar parturient accumsan pharetra accumsan. Imperdiet at mauris nulla eget sed euismod sit. Tortor ipsum id est mattis nibh. Egestas nibh scelerisque nunc est malesuada erat convallis. Sit pulvinar a varius rhoncus nibh vitae sodales. Faucibus nec morbi sit at proin sed nulla. Nibh consectetur sit sed in sodales eget sed cras. Phasellus id nibh quis donec porttitor a fermentum id. Magna vel semper eleifend nec enim mi quam nibh.
Eyebrow
Header Text
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. Mi nisl massa risus et nulla eu nisl maecenas. Pulvinar parturient accumsan pharetra accumsan. Imperdiet at mauris nulla eget sed euismod sit. Tortor ipsum id est mattis nibh. Egestas nibh scelerisque nunc est malesuada erat convallis. Sit pulvinar a varius rhoncus nibh vitae sodales. Faucibus nec morbi sit at proin sed nulla. Nibh consectetur sit sed in sodales eget sed cras. Phasellus id nibh quis donec porttitor a fermentum id. Magna vel semper eleifend nec enim mi quam nibh.
Eyebrow
Header Text
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. Mi nisl massa risus et nulla eu nisl maecenas. Pulvinar parturient accumsan pharetra accumsan. Imperdiet at mauris nulla eget sed euismod sit. Tortor ipsum id est mattis nibh. Egestas nibh scelerisque nunc est malesuada erat convallis. Sit pulvinar a varius rhoncus nibh vitae sodales. Faucibus nec morbi sit at proin sed nulla. Nibh consectetur sit sed in sodales eget sed cras. Phasellus id nibh quis donec porttitor a fermentum id. Magna vel semper eleifend nec enim mi quam nibh.
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
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. Mi nisl massa risus et nulla eu nisl maecenas.
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. Mi nisl massa risus et nulla eu nisl maecenas.
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. Mi nisl massa risus et nulla eu nisl maecenas.
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
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
- 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
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
- 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
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
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
Header
Title
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
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
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
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
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
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
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 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
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
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.
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.
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.
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.
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
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

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

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

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

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

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

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.
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
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
334-270-8687
Learn More

Tuscaloosa Branch
205-946-5200
Learn More

Selma Branch
334-874-7437
Learn More

Opelika Branch
334-749-3303
Learn More

Montgomery Branch
334-270-8686
Learn More

Monroeville Branch
251-743-2865
Learn More

Gulf Coast Branch
251-626-2929
Learn More

Enterprise Branch
334-347-6954
Learn More

Dothan Branch
334-793-9811
Learn More

Demopolis Branch
334-289-0137
Learn More
Leadership Block
Ready for QA
Block Type:
Custom Block
Custom Module:
Staff & Staff Categories
Video Grid
Ready for QA
Block Type:
Custom Block
Custom Module:
Videos
FAQs with Category Links
In Development
Block Type:
Custom Block
Custom Module:
FAQs & FAQs Categories
Optional Fields:
FAQ Category
If FAQ Category is left blank, all FAQs will appear.
FAQ Only
Ready for QA
Block Type:
Custom Block
Custom Module:
FAQs & FAQs Categories
Optional Fields:
FAQ Category
If FAQ Category is left blank, all FAQs will appear.
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.
FAQ – Single Section
Ready for QA
Block Type:
Custom Block
Custom Module:
FAQs & FAQs Categories
Required Fields:
Header
Optional Fields:
Eyebrow, Body, Buttons, FAQ Category
If FAQ Category is left blank, all FAQs will appear.
All
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 →
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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.
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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eyebrow: A small line of text above the main headline (e.g., “Welcome to…”).
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