Why Farm Credit?

Save money, get more options & work with a lender who knows rural living.

Farm Credit of Northwest Florida Helps You Finance Your Rural Lifestyle

Learn more about what makes us the lender of choice in Northwest Florida.

Rural Experts

Buying and managing rural land, purchasing a home, or running a farm operation are all challenging and significant investments.  It helps to have a lender who understands rural living.  At Farm Credit, our rural lending experts have the knowledge necessary to make your financing easier.  Who knows, your lender may even have ideas to help you save money or make your operation more profitable. 
 

Lots of Options

Throw away the cookie cutter!  At Farm Credit, we know that “one size lending” doesn’t fit all.  You will have lots of options for interest rates, terms and repayment including long-term fixed rates with no prepayment penalty and no acreage limitation.  For most loans, if interest rates fall, your lender can work with you to lower your rate with no hassle and no costly refinance.

Save Money

As a lending cooperative, Farm Credit refunds excess profits (above capitalization and operating needs) to our members.  With over $82 million in cooperative refunds to date, your cost of borrowing can be even lower than your already competitive interest rate.

Local Service

Imagine….a problem comes up, you want additional funds or something changes with your circumstances.  Wouldn’t it be nice to have a relationship with a local lender who knows you by name?  The vast majority of our loans stay right here at home to be serviced locally by people that you know and trust.

common concerns

Farm Credit cares about the same things you do and makes meaningful investments into our rural and agricultural communities. From the local grade school to legislative halls, Farm Credit educates about the importance of agriculture and having vibrant rural areas; hosts programs for landowners and farmers including young, beginning, small, minority and veteran farmers; encourages youth pursuing a career in agriculture through our scholarship program and so much more!

Ready to Apply?

We've got you covered. Start the application process today to get the loan you need.