Federal Land Bank Association Of South Al FLCA
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Federal Land Bank Association Of South Al FLCA
If you're buying, refinancing, or improving the land, we can help. We offer loans for all kinds of rural land, including farmland, timberland, homesites, and places where you can enjoy the great outdoors. Our experienced relationship managers understand agriculture and can customize loans for farms, facilities, agribusiness, and the production of agriculture products such as crops, livestock, poultry, seafood, and timber.

As an Alabama Ag Credit borrower-owner, you not only get competitive interest rates upfront but also get back some of the interest on your loan when we distribute a patronage refund- effectively lowering your borrowing costs. We understand agriculture and country living. Our borrower-owned cooperative offers flexible financing for farmers, agribusinesses, landowners, and people who live in Alabama's countryside and small towns.
Services
Customer come first at Alabama Ag Credit. As a borrower-owned cooperative, we're not just a lender, we're also a partner. We carry out our mission to help agriculture and rural communities succeed by providing the experience, competitive rates and personal service that central and southern Alabama have come to rely on.
With roots as deep as they are old, Alabama Ag Credit traces its history of rural mortgage financing back more than a century. As the years passed, we grew to serve 40 counties in Central and South Alabama, and expanded our services to provide a full array of financing for farms, timber and forestry operations, rural real estate, agribusinesses, equipment and livestock.
Alabama Ag Credit offers an array of financing options for agriculture and rural real estate, which you can explore on our product pages. Applying for a loan just takes three simple steps. Submit your completed application to one of our Local Lenders at your nearest branch office. If you have any questions along the way, feel free to contact our staff.
Being a member of a customer-owned cooperative like Alabama Ag Credit has several advantages. In addition to providing a wide range of products at competitive rates, we operate our business in a way that always keeps our members' best interests in mind. When you borrow from Alabama Ag Credit, you become a stockholder and part owner in the cooperative, entitling you to your fair share of the earnings.
Our commitment to sharing our earnings with borrowers is rooted in our structure as a customer-owned cooperative. When you borrow from Alabama Ag Credit, you become a stockholder and part owner in the cooperative, entitling you to a portion of the earnings when the association does well financially.
Reviews (9)
Itz Godzito Sparobb
Itz Godzito Sparobb
Oct 31, 2021
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Abdullahi Al Mustapha
Abdullahi Al Mustapha
Oct 29, 2021
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Caitlin Faulkner
Caitlin Faulkner
Mar 08, 2021
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Justin at the Dothan office was wonderful to work with! He answered any and all questions we had, and helped make our purchase go through quickly and seamlessly!
Jessica Russell Hamm
Jessica Russell Hamm
Mar 02, 2021
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Pamela Hughey at the Selma, AL branch is AMAZING. Just wanted to thank her for answering all our questions as this was our first time buying land. She made this process the easiest. Would recommend her to anyone in the area!
Kibrnew Muhabaw
Kibrnew Muhabaw
Dec 04, 2020
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Today I am so happy because God did this to me after going through hard times with other lenders and nothing went my way, I wanted to lose faith and hope, but I still have to be strong and keep looking for what I am looking for. Today I am happy because God referred me to the best Lending Company and I did not complain even after I contacted them,… and my heart's desire was granted and I received the stated amount for which I asked (300,000 euros), the money was paid into my account after two days of talking to the company and they didn’t stress me out or hurt me in getting this loan
Stacey Boyd Nestor
Stacey Boyd Nestor
Dec 12, 2019
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Great group of people who understand the importance of working together and doing business. Would highly recommend to anyone.
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Dec 07, 2018
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APPLY FOR XMAS LOAN WITH LOW INTEREST RATE !!!!! Are you finding it difficult to borrow money ? if yes contact Howard loan funds loan company today. Howard loan funds Loan Company is Fast, Reliable and trust worthy.We offer loan at low interest rate of 2% and with no credit check, we offer Personal loans, debt consolidation loans,venture capital,… business loans, education loans, home loans,XMAS LOAN e.t.c. our minimum loan amount we offer is $5,000USD and our maximum $100,000,000,00USD And you can apply through our email via : Email: hloanfunds@gmail .com CONTACT OUR WHATSAPP Via: +18573099158
Todd Baxley
Todd Baxley
Feb 25, 2017
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Worked with Justin Jernegan last year at the Dothan branch. Wonderful experience. Can't thank him enough.
Matt Cannon
Matt Cannon
Oct 14, 2016
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Great place to do business with. They will get it done when no one else can.