Farm Credit of Northwest Florida

Frequently Asked Questions

What is a patronage refund?

A patronage refund is a way of distributing the association’s net income to member-owners. As a cooperative, your patronage refund is determined by the level of business you do with the Association. This refund may be paid in cash, allocated surplus, stock, or any combination of these items. Find out more about our patronage program.

How do I know if I qualify for a loan?

Contact us to speak with a loan officer at your closest Farm Credit office about your particular situation. They will be able to tell you if your request is eligible and what you need to provide to see if you qualify.

Can I make my loan payment online?

Yes! Log in to AccountAccess to make your payment online. AccountAccess is available 24/7 and along with making payments you can view your account information.  If you have a line of credit, you can also schedule disbursements through AccountAccess.  Farm Credit provides this free service to make accessing your account simple and convenient. 

Does Farm Credit fund start-up operations or help people who are new to farming?

Yes! We know what it's like to start a new farm or agribusiness, and we can help you make the right decisions. You can make your dreams a reality while drawing from our vast experience with small, large and in-between farms and agribusinesses. Farm Credit has special programs to assist young, beginning, minority and small farmers.

Do I have to own a farm to finance my property through Farm Credit?

No! We finance rural homes, tracts of land, Country Lifestyle or Agricultural properties in addition to farms and agribusinesses. Find out more about our country home loans.

Do I have to live in the country to get a loan from Farm Credit?

No! We can fund agricultural needs no matter where you live. In addition to farms and agribusiness, we finance rural tracts of land and homes.

Find out more

If we haven't answered your questions, please contact us or drop by one of our locations to find out how we can help.

Who is Farm Credit?

Farm Credit is a cooperative agricultural lending institution. We are part of the nationwide Farm Credit System, specializing in lending for farms and rural property, as well as improvements, equipment and other financing needs.
Learn more about our loan products