Farm Credit Services of America
Farm Credit Services of America is a customer-owned agricultural lending cooperative serving farmers, ranchers, agribusinesses, and rural home owners across Iowa, Nebraska, South Dakota, and Wyoming, offering real estate, operating, equipment, and livestock loans plus crop and livestock insurance.
- Company typePrivate
- Founded1916
- HeadquartersOmaha, United States
- Headcount1,001–5,000
- GTM typeB2B
- OfferingServices
What Farm Credit Services of America does
Farm Credit Services of America (FCSAmerica) is a customer-owned agricultural credit association (ACA) chartered in 1916 and headquartered in Omaha, Nebraska. The institution operates as part of the federally chartered Farm Credit System and serves farmers, ranchers, agribusinesses, and rural home owners across Iowa, Nebraska, South Dakota, and Wyoming. Its core offering comprises agricultural lending products — including real estate, operating, equipment, and livestock loans — alongside crop and livestock insurance delivered through the Farm Credit System's joint services.
FCSAmerica operates as a financial cooperative governed by a customer-elected board of directors, with borrowers also serving as the institution's stockholders. Its technology platform supports digital loan applications, mobile deposit, and online financial calculators, while branded offerings such as AgDirect® (equipment financing), AgriBuy (a Mastercard-based rewards program), and Terrain® (an ag-economic content and analytics platform) extend its product surface. The company employs between 1,001 and 5,000 people across a local-office distribution network in its four-state territory.
The business model is primarily interest-based: FCSAmerica earns net interest income from its loan portfolio, supplemented by fee income from insurance products, equipment financing via AgDirect, card-program economics from AgriBuy, and partnership arrangements such as Terrain® content syndication with peer Farm Credit associations (AgCountry Farm Credit Services, Frontier Farm Credit, American AgCredit). Its GSE status within the Farm Credit System provides access to a stable, low-cost funding base that is not available to non-system commercial lenders.
Farm Credit Services of America firmographics
Firmographics- Name
- Farm Credit Services of America
- Legal name
- Farm Credit Services of America, ACA
- Website
- https://fcsamerica.com
- Company type
- Private
- Founded year
- 1916
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- Farm Credit Services of America is a customer-owned agricultural lending cooperative serving farmers, ranchers, agribusinesses, and rural home owners across Iowa, Nebraska, South Dakota, and Wyoming, offering real estate, operating, equipment, and livestock loans plus crop and livestock insurance.
- Ownership category
- akta.pro rank
Farm Credit Services of America industry classification
Industry- Product category
- Agricultural Lending
- NAICS
- Support Activities for Animal Production (115210)
- SIC
- Federal & Federally-Sponsored Credit Agencies (6111), Agricultural Services (700)
- akta.pro primary industry
- Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks) (FSABAEAG)
- akta.pro secondary industries
- Farm Financial Management & Recordkeeping Services (AFACAJAC), Farm Finance, Input Procurement & Risk Tools (Budgeting, Inventory, Insurance Links) (AFAAAFAO)
Keywords
Where Farm Credit Services of America is headquartered
LocationHeadquarters
- HQ city
- Omaha
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Farm Credit Services of America business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others
Revenue model
- Agricultural Lending: Interest income from providing financing for farmland, operating lines of credit, equipment, livestock, facilities, and rural home loans. The cooperative structure returns a portion of earnings to customers through cash-back dividends.
- Crop and Livestock Insurance: Commission-based revenue from offering a full line of insurance products including crop insurance, livestock insurance, and hail/wind insurance through the company's insurance division.
- Service Fees: Fees from appraisal services, property search services, and other account management services.
- Cash-Back Dividends: As a financial cooperative, returns a portion of net earnings to eligible customer-owners in the form of annual cash-back dividends based on eligible loan volume and Association financial results, historically approximating 1% of eligible average daily loan balance.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Agricultural real estate loans (land loans) |
| Usage-based | Pay-as-you-go | Operating lines of credit |
| Subscription | Monthly | 10-Year Line of Credit |
| Subscription | Monthly | Young and Beginning Producer Loans |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels7 records
Farm Credit Services of America product offering
Product offeringCore offering
Farm Credit Services of America is a customer-owned financial cooperative that provides agricultural lending (operating lines of credit, land loans, equipment financing, livestock loans, ag facility loans, rural home loans, and corporate/commercial lending) and crop, livestock, and hail/wind insurance products to farmers, ranchers, rural homeowners, and agribusinesses across Iowa, Nebraska, South Dakota, and Wyoming. It also provides digital account management, mobile banking with mobile deposit, agricultural financial calculators, appraisals, property search, and the Terrain® economic insights platform. As a cooperative, it returns a portion of net earnings to eligible customer-owners through annual cash-back dividends.
Product overview
Farm Credit Services of America is a financial cooperative offering a comprehensive suite of agricultural financing and insurance products. The core offering includes multiple financing products: Operating Lines of Credit (including a specialized 10-Year Line of Credit), Land Loans, Land Refinancing, Rural Home Loans, AgDirect Equipment Financing, Intermediate-Term Loans, Livestock Loans, Ag Facility Loans, and Ag Leases. Specialized lending includes Young and Beginning Loans (with Starting Gate workshops), Corporate and Commercial Lending, Capital Markets, and Industry-Specific Financing for Grain, Beef, Swine, Poultry, Dairy, and Food and Agribusiness. Insurance offerings encompass Crop Insurance, Livestock Insurance, Hail and Wind Insurance, and Area Plans. Digital services include the Mobile App, My Account portal, and Mobile Deposit. Resource offerings include Terrain (economic analysis), Calculators Suite, educational events (Side X Side Conference, Women in Ag Conference), and a Grant-Writing Support Program with Lasso. As a cooperative, customer-owners benefit from Cash-Back Dividends. The product portfolio is designed to serve farmers, ranchers, rural homeowners, corporate agribusiness, and land owners across Iowa, Nebraska, South Dakota, and Wyoming.
Differentiator
Problem solved
Functional benefit
Brands
- Terrain®: A service providing timely insights on topics and trends impacting agriculture, delivered by a team of specialized economic and agriculture analysts. Exclusive offering of AgCountry Farm Credit Services, Farm Credit Services of America, Frontier Farm Credit, and American AgCredit.
Quantifiable outcome
- Cash-back dividends historically approximating 1% of eligible average daily loan balance returned to customer-owners
Companies that use Farm Credit Services of America
Customer profileSegments5 records
Ideal customer profiles4 records
Farm Credit Services of America technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Farm Credit Services of America partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- LassocoreLasso is a grant-writing service that provides end-to-end support for sustainable agriculture grant applications, including identifying opportunities, preparing applications, and managing post-award requirements. FCSAmerica and AgCountry Farm Credit Services launched a pilot program in Iowa, Minnesota, and Wisconsin to help producers access capital for sustainable agriculture activities. Lasso reports a 90% success rate and has helped secure millions of dollars in funding for on-farm projects.
- AgCountry Farm Credit ServicescoreFCSAmerica and AgCountry Farm Credit Services co-launched a pilot program to help producers in Iowa, Minnesota, and Wisconsin access sustainable agriculture funding through Lasso grant-writing services.
- Terrain® Content Partnership (AgCountry Farm Credit Services, Frontier Farm Credit, American AgCredit)coreTerrain® content is an exclusive offering co-branded with AgCountry Farm Credit Services, Frontier Farm Credit, and American AgCredit. The service delivers specialized economic and agricultural analysis through a shared platform of insights and market intelligence.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Farm Credit Services of America competitors and assessment
Company assessmentDirect peers
- AgCountry Farm Credit Services: A fellow Farm Credit System ACA providing agricultural lending and crop insurance across the Upper Midwest; a strategic co-development partner on Terrain® and the Lasso grant-writing pilot, making it the most directly comparable peer.
- American AgCredit: A Farm Credit System ACA co-branded on Terrain® and serving California and the Western U.S. with the same agricultural lending, leasing, and crop insurance business model.
- Compeer Financial: A large Farm Credit System cooperative serving Illinois, Minnesota, and Wisconsin with agricultural lending, crop insurance, and rural lending products closely analogous to FCSAmerica's portfolio.
- Frontier Farm Credit: A Farm Credit System association co-producing the Terrain® insights platform with FCSAmerica, serving Kansas, Oklahoma, and parts of neighboring states with overlapping ag lending and crop insurance offerings.
- Greenstone Farm Credit Services: A Farm Credit System ACA serving Michigan and Wisconsin with agricultural lending, crop insurance, and rural home loans under the same customer-owned cooperative structure as FCSAmerica.
- Farm Credit Mid-America: A Farm Credit System ACA operating across Indiana, Ohio, Kentucky, and Tennessee offering agricultural lending, crop insurance, and rural home loans under the same cooperative model as FCSAmerica.
- Capital Farm Credit: Texas's largest Farm Credit System cooperative, offering agricultural real estate, operating, and equipment loans plus crop insurance — a structural and product analog with a different geographic footprint.
Broad incumbents
- Wells Fargo Agricultural Banking: The ag-banking division of Wells Fargo offering operating loans, real estate loans, equipment financing, and crop insurance nationwide — a broader incumbent with significant overlap in farm lending products.
- Rabo AgriFinance: A subsidiary of Rabobank Group providing agricultural lending, crop insurance, and risk management across the U.S., comparable in product breadth but operating as a global bank subsidiary rather than a cooperative.
Others
- AgriBank: A Farm Credit System bank that funds affiliated retail Farm Credit associations; not a direct competitor but a key upstream counterparty and structural peer in the Farm Credit funding ecosystem.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Farm Credit Services of America social profiles
Digital presenceFarm Credit Services of America financial estimates
Financial estimateRevenue estimate
Valuation estimate
Farm Credit Services of America leadership team
Management profileNumber of profiles
Profiles10 records
Farm Credit Services of America funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Farm Credit Services of America M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Farm Credit Services of America
What does Farm Credit Services of America do?
Farm Credit Services of America is a customer-owned financial cooperative that provides agricultural lending (operating lines of credit, land loans, equipment financing, livestock loans, ag facility loans, rural home loans, and corporate/commercial lending) and crop, livestock, and hail/wind insurance products to farmers, ranchers, rural homeowners, and agribusinesses across Iowa, Nebraska, South Dakota, and Wyoming. It also provides digital account management, mobile banking with mobile deposit, agricultural financial calculators, appraisals, property search, and the Terrain® economic insights platform. As a cooperative, it returns a portion of net earnings to eligible customer-owners through annual cash-back dividends.
Is Farm Credit Services of America a public or private company?
Farm Credit Services of America is a private company. It is classified as unknown and is currently operating.
When was Farm Credit Services of America founded?
Farm Credit Services of America was founded in 1916. It employs 1,001 to 5,000 people.
Where is Farm Credit Services of America based?
Farm Credit Services of America is headquartered in Omaha, United States, in the North America region.
How does Farm Credit Services of America make money?
Four revenue lines are on record. Agricultural Lending is the primary driver. The others are crop and Livestock Insurance, service Fees and cash-Back Dividends.
Who are Farm Credit Services of America's main competitors?
Direct peers on record are AgCountry Farm Credit Services, American AgCredit, Compeer Financial, Frontier Farm Credit, Greenstone Farm Credit Services, Farm Credit Mid-America and Capital Farm Credit. Broad incumbents are Wells Fargo Agricultural Banking and Rabo AgriFinance. AgriBank is listed as an others.
Does Farm Credit Services of America have an API?
No public API is recorded for Farm Credit Services of America.
What industry is Farm Credit Services of America in?
Farm Credit Services of America's product category is Agricultural Lending. Its primary akta.pro industry code is FSABAEAG, Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks), with a secondary code of AFACAJAC, Farm Financial Management & Recordkeeping Services. Its NAICS code is 115210 and its SIC code is 6111.