About Us

Colonial Farm Credit is part of the nationwide Farm Credit System, a financial cooperative owned by its member-borrowers since 1916. Our primary function is to provide loans, including:

Farm and country home loans
Loans for land purchase, home construction, and improvements
Loans for buildings, machinery, livestock and equipment
Production loans for both full-time and part-time farmers
Loans for ag-related businesses
Wood industry loans for operating capital, timberland acquisition, standing timber

Our cooperative structure means that a portion of the profits generated from our lending activity is returned to our borrowers in the form of patronage refunds. These patronage refunds are based on the proportion of interest earned on an individual loan. This significantly reduces the cost of borrowing for our customers.

The team at Farm Credit are financial professionals with the experience and knowledge to provide the help you need when you need it. And we know agriculture and country living. We're locally operated by people you know and trust.

Our combination of competitive rates, personal service and extensive local knowledge is unmatched in the financial world. Just contact us and see what we can do for you.

We serve 50 counties in Virginia and Maryland, with offices conveniently located near you.

About the Farm Credit System

The Farm Credit System is a nationwide network of cooperative lending institutions that provides credit and financial services to farmers, ranchers, rural homeowners, agricultural cooperatives, rural utility systems and agribusinesses.

The system was created in 1916 by an act of Congress and is the largest single provider of agricultural credit in the United States. However, the real benefit of doing business with Farm Credit is dealing with a local office with hometown people who know their business, their communities and their customers.

Unlike commercial banks, we do not take deposits. Money is raised by selling system-wide bonds and discount notes in the securities market on Wall Street. The proceeds are channeled through Farm Credit System banks, associations and thus ultimately to our customers involved in agriculture and agribusiness. AgFirst Farm Credit Bank is the Farm Credit Bank for our district and is located in South Carolina.

Our Board of Directors

Media Info

Special information for young, beginning, and small farmers

Calendar of Events