We deliver tailored lending solutions to North Carolina’s farmers and rural communities. AgCarolina is a member of the Farm Credit System, the largest provider of credit to American agriculture. As a member-owned financial services cooperative, we provide farmers, ranchers and agribusinesses with the greatest opportunity for success through low-cost financing and exceptional service. As one of North Carolina’s leading agricultural lenders, we have more than $1.4 billion in outstanding loans to more than 3,000 members. Our 12 branch offices are located throughout eastern North Carolina and are governed by local directors, who are also farmers. Unlike commercial banks, our cooperative structure means a portion of the profits generated from our lending activity is returned to our members in the form of patronage refunds, which significantly reduces the cost of borrowing for our members.