Feb 7, 2024

Read the Member Spotlight in Alabama Forest Magazine

“Nearly seventy percent of the state of Alabama is covered in trees. People from all walks of life own timberland in Alabama, and as a result, financing timberland and related forestry operations is the largest segment of our $1.3 billion loan portfolio. So, we care about what is happening within the forestry industry, and we partner in many ways with those that are connected to it.”

Nov 3, 2023

JumpStart Grants Awarded

Five start-up farmers in central and south Alabama have won big in our 2023 JumpStart grant program. The JumpStart grant awards $10,000 to five start-up farmers.

Aug 2, 2023

Understanding Your Rural Loan and Interest Rate Options

Buying a rural property—whether it’s land, a farm, or a house out in the country—is a major undertaking that requires a lot of planning. To make the right choice, it’s important that you understand the pros and cons of each loan type.

Jun 23, 2023

Young Farmers go to Washington, D.C.

Our members, Adam & Sarah Temple, of Ashford, AL, took their interests in agriculture to Capitol Hill on June 22.

Jun 2, 2023

2023 Board Election Results

We would like to thank our members who voted and participated in this year’s Board of Directors Elections. Ballots were tabulated by an independent third party, and the results have been certified and provided to the Association.

Jun 2, 2023

How to Create and Use a Balance Sheet For Your Farm

Establishing a balance sheet for your farm is essential. Checking in with your farm’s finances using a balance sheet allows you to evaluate the financial health of your business and make adjustments to improve it.

Apr 3, 2023

How to Buy a Farm or Land in 5 Steps

The decision to buy land or a farm shouldn’t be an impulsive one. It takes thorough planning, research, and organization to set yourself up for success and do it properly. Here are 5 steps to put you in a great position to get the property you want and better understand the process.

Mar 31, 2023

Scholarship Announcement

Announcing the ten - $1,000 scholarships awarded to children and grandchildren of Alabama Ag Credit customers.

Mar 21, 2023

Recovery Continues

In partnership with the Alabama Peanut Producers Association, we donated 11,530lbs of peanut butter to the AICC Autauga Interfaith Care Center and the Selma Area Food Bank.

Mar 15, 2023

Farm and Land Loans That Pay You Back

We are returning $13.1 million of our 2022 net income to farmers and rural landowners in central and south Alabama. Cash-back patronage checks will be mailed on March 23, 2023, and will be in the hands of the member-borrowers shortly.

Mar 14, 2023

Corporate Conservation Society

As a cooperative, we’re proud to support organizations & initiatives that matter to our members.

Feb 7, 2023

Control Cash Flow with a Revolving Line of Credit

An RLOC, sometimes called a “revolver,” is an open-ended operating loan that’s preapproved for a specified sum or spending limit. In a way, it’s like a credit card but with the added benefit of a lower interest rate.

Jan 26, 2023

Tornado Relief Donation

Weeks later, communities are still working to pick up the pieces after the deadly tornado ripped through Autauga, Dallas, & Elmore counties on January 12, 2023.

Dec 19, 2022

Understanding Your Credit: 5 Things You Need to Know Before Applying For a Farm Loan

Farming costs add up quickly. If you’re like most farmers and ranchers, you’ll likely need to borrow money at some point in your life to fund these expenses. To know what your borrowing options are, it's important to understand how credit decisions are made.

Oct 2, 2022

5 Steps for a Successful Year-End Farm Financial Check-Up

Performing a financial check-up doesn’t have to be a headache. If you know what to look for and organize your documents, it can be as simple as following 5 straightforward steps:

Sep 22, 2022

First JumpStart Grants Awarded

Out of 50 applicants, we have chosen five winners to receive a $10,000 JumpStart grant for 2022!

Aug 4, 2022

Using Collateral for a Farm or Land Loan Down Payment

How much will your down payment be for your farm or land loan? This is one of the most frequently asked questions lenders get. However, the answer isn’t as straightforward as it may seem.

Jun 13, 2022

What you Need to Know Before Obtaining a Loan for a Rural Home

Financing a rural home is different than financing a home in the city, so you’ll have to keep certain considerations in mind. Here’s what you need to know before you buy that little slice of paradise out in the country.

Apr 4, 2022

Things to Know Before Meeting with a Loan Officer

The borrower-lender relationship is a two-way street. Both parties are trying to reach the same goal from a different direction. Both want to ensure the long-term viability of their businesses, and both have high expectations of the other.

Jul 9, 2020

Training - Mental Health & Stress

As part of our mission to support rural communities and agriculture during this difficult farm economy, we are able to provide free, online training materials focused on mental health and stress management.