AgCountry Farm Credit Services

What AgCountry Farm Credit Services does

AgCountry Farm Credit Services, ACA is a customer-owned financial cooperative operating within the U.S. Farm Credit System and headquartered in Fargo, North Dakota. Founded in 1917, the institution provides credit, crop and livestock insurance, and ancillary business services to agricultural producers and rural property owners across a five-state territory covering Iowa, Minnesota, North Dakota, South Dakota, and Wisconsin. Its core lending portfolio comprises operating lines of credit, long-term land loans and refinancing, rural home loans, intermediate-term loans, equipment financing through the AgDirect sub-brand, livestock loans, ag leases, and specialized programs for young/beginning and corporate/commercial borrowers. Insurance offerings include federally subsidized multi-peril crop insurance, livestock insurance, hail and wind coverage, area plans, and a precision-agriculture data integration layer.

The company's revenue mechanics are dominated by net interest income from its agricultural lending book, supplemented by commissions on federal crop and livestock insurance products and fees for professional services such as appraisal, tax planning, succession and retirement planning, and farm accounting. As a cooperative, AgCountry returns a portion of net earnings to eligible customer-owners through cash-back patronage dividends, structurally lowering effective borrowing costs and creating a built-in loyalty mechanism distinct from for-profit bank competitors. Distribution is anchored in a regional branch network with field-based relationship managers, supplemented by a phone contact center, a self-serve online account portal, and a mobile banking app with mobile deposit capability.

Go-to-market combines enterprise-style direct agricultural lending with a broad content-marketing and education apparatus: Terrain economic analysis, a Learning Center with articles, webinars and podcasts, hosted conferences (AgFocus, Side X Side, Women in Ag), interactive financial calculators, and active social-media engagement. The most recent strategic initiative is a March 2026 pilot program, run jointly with parent Farm Credit Services of America and partner Lasso, to deliver end-to-end grant-writing support for sustainable-agriculture projects in Iowa, Minnesota, and Wisconsin — extending the company's role from lender/insurer into ag-finance advisory.

Name

AgCountry Farm Credit Services

Legal name

AgCountry Farm Credit Services, ACA

Website

https://agcountry.com

Company type

Private

Founded year

1917

Operating status

Operating

Headcount range

501–1,000 employees

Short description

AgCountry Farm Credit Services is a customer-owned Farm Credit System cooperative, founded in 1917 and headquartered in Fargo, ND, that provides agricultural lending, crop and livestock insurance, and business services to farmers, ranchers, and rural property owners across five upper-Midwest U.S. states.

Ownership category

akta.pro rank

Product category

Agricultural Lending

NAICS

Crop Production (111), Oilseed and Grain Farming (1111)

SIC

Agricultural Services (700), Federal & Federally-Sponsored Credit Agencies (6111)

akta.pro primary industry

Farm Finance, Input Procurement & Risk Tools (Budgeting, Inventory, Insurance Links) (AFAAAFAO)

akta.pro secondary industries

Whole-Farm Business Management & Budgeting Advisory (AFACAJAA), Carbon, Sustainability & Farm Certification Support (Agro-Environmental Advisory) (AFACABAL), Capital Projects & Farm Expansion Advisory (Feasibility, Site Planning, ROI) (AFACAJAN)

Keywords

• Agricultural lending
• Farm credit loans
• Crop insurance
• Livestock financing
• Rural home loans

Headquarters

HQ city

Fargo

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Agricultural Lending: Interest income from operating lines of credit, land loans, equipment financing, livestock loans, and intermediate-term loans for agricultural producers and rural property owners.
2. Crop and Livestock Insurance: Commissions from federal crop insurance programs including multi-peril crop insurance, as well as hail, wind, and livestock insurance products.
3. Business Services: Fees for appraisal services, tax planning and management, succession and retirement planning, and farm accounting services.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

AgCountry Farm Credit Services is a customer-owned financial cooperative that finances agriculture and rural America through operating lines of credit, land loans, equipment financing, livestock loans, intermediate-term loans, and rural home loans. It also distributes federal and private crop, livestock, hail, and wind insurance products, and provides farm-related business services such as appraisal, tax planning, succession/retirement planning, and farm accounting.

Product overview

AgCountry Farm Credit Services is a financial cooperative offering a comprehensive suite of agricultural financing and insurance products. The core offering centers on lending products including Operating Lines of Credit, Land Loans, Equipment Financing (via AgDirect), Livestock Loans, and Specialized Lending for young/beginning producers and corporate/commercial borrowers. Insurance offerings include Crop Insurance, Livestock Insurance, and Hail/Wind Insurance with precision agriculture data integration. Business services encompass Appraisal Services, Tax Planning, Succession & Retirement Planning, and Farm Accounting. The company provides educational resources through its Learning Center, Terrain economic insights service, and annual conferences (AgFocus, Side X Side, Women in Ag). A recent pilot program with Lasso offers grant-writing support for sustainable agriculture projects. Account management is available via mobile app with mobile deposit capabilities.

Differentiator

Problem solved

Functional benefit

Brands

• AgDirect: Equipment financing brand offering buy, lease and refinance options on new and used farm equipment.
• Terrain
• Starting Gate

Products and services

• Operating Line of Credit Short-term capital for agriculture-related expenses including livestock, labor, cash rent, seed, and inputs, available to agricultural producers.
• Land Loans Long-term mortgages for financing or refinancing farmland, pastureland, and other agricultural ground, including land improvements such as fencing, grain bins, and facilities, for ag producers and land owners.
• Land Loan Refinance Refinancing service for farmland, pasture, or acreages offering long-term fixed rates, ag-friendly terms, and flexible payment options.
• Home Loans (Rural Home Loans) Financing for rural homes, hobby farms, hunting land, and barndominiums, targeted at rural lifestyle property buyers.
• Intermediate-Term Loans Loans with repayment terms up to 10 years for capital purchases such as equipment, breeding stock, and facility improvements.
• AgDirect Equipment Financing Buy, lease, and refinance options on new and used farm equipment delivered through the AgDirect partnership brand, with long-term fixed rates and ag-friendly terms.
• Livestock Loans Financing for the purchase, care, and feeding of livestock, including refinancing of debt on livestock.
• Ag Leases Lease options for agricultural equipment and operations.
• Young & Beginning Loans Specialized education, coaching, and lending products for young, beginning, and small producers, including the Starting Gate workshop program.
• Corporate & Commercial Lending Specialized financing for the largest and most complex agribusiness companies in the food, fuel, and fiber industries.
• Crop Insurance Multi-peril crop insurance products protecting agricultural producers against natural disasters and price declines, with expanded subsidies for beginning producers.
• Livestock Insurance Insurance products, including federally subsidized options, that protect livestock revenue and margins for producers.
• Hail and Wind Insurance Specific insurance coverage for hail and wind damage to crops and property.
• Area Plans Area-based crop insurance plans providing crop protection based on regional rather than individual yields.
• Appraisal Services Professional agricultural property appraisal services for farm, ranch, and rural property owners.
• Tax Planning and Management Tax planning and management services tailored to agricultural operations and producers.
• Succession & Retirement Planning Estate and succession planning services for farms and ranches, covering wills, trusts, and business transition strategies.
• Farm Accounting Services Accounting services tailored to the financial reporting and bookkeeping needs of agricultural operations.
• Grant-Writing Support Program Pilot program offered in partnership with Lasso to provide end-to-end grant application support for sustainable agriculture funding in Iowa, Minnesota, and Wisconsin, covering grant identification, application preparation, and post-award management.

Quantifiable outcome

• Cash-back dividends returned to eligible customer-owners, reducing effective borrowing costs

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Lassopilot programGTM or Marketing Partner · 1 March 2026AgCountry Farm Credit Services and Farm Credit Services of America launched a pilot program partnering with Lasso, a grant-writing service, to help producers in Iowa, Minnesota, and Wisconsin access capital for sustainable agriculture activities. The program covers the majority of costs for eligible participants and provides end-to-end support including identifying grant opportunities, preparing applications, and managing post-award requirements. Lasso reports a 90% success rate and has helped secure millions of dollars in funding for on-farm projects.

Recent moves5 records

Expansion highlights5 records

Direct peers

• American AgCredit: Farm Credit System lender serving California, Nevada, Kansas, Oklahoma, and other western states. Provides comparable ag lending, real estate, and capital markets services for producers.
• Capital Farm Credit: Texas-based Farm Credit System association with similar lending, insurance, and rural real estate finance offerings, representing same business model across a different commodity region.
• Compeer Financial: Mid-sized Farm Credit System cooperative serving Illinois, Minnesota, and Wisconsin. Direct competitor in dairy, grain, and livestock lending across overlapping Upper Midwest counties with comparable product breadth and patronage model.
• Farm Credit Services of America: Strategic partner and parent-affiliated association of AgCountry, also part of the Farm Credit System. Operates in Iowa, Nebraska, South Dakota, and Wyoming with overlapping ag lending, crop insurance, and customer-cooperative structure.
• AgFirst Farm Credit Bank: Bank of the Farm Credit System serving the eastern U.S., wholesale funding partner for affiliated FCS associations and a structural counterpart in the broader Farm Credit System.
• CoBank: Farm Credit System bank providing wholesale funding, lending, and capital markets services to FCS associations and the rural infrastructure, agribusiness, and energy sectors - core counterparty to AgCountry within the FCS funding chain.
• GreenStone Farm Credit Services: FCS association serving Michigan and Wisconsin. Comparable cooperative structure, crop insurance agency, and ag lending products with overlapping territory in Wisconsin and similar crop-mix exposure.
• Farm Credit Mid-America: Major Farm Credit System cooperative serving Indiana, Ohio, Kentucky, and Tennessee. Comparable size, ag lending and crop insurance product set, and customer-owned cooperative model.

Broad incumbents

• Wells Fargo Agricultural Banking: Major commercial bank with a sizeable dedicated ag banking division offering operating, real estate, and equipment financing to producers, directly competing with AgCountry across its five-state footprint.
• Rabobank North America: Global agribusiness bank with significant U.S. food and ag lending presence. Competes for large agribusiness clients and structured lending deals that overlap with AgCountry's Corporate & Commercial Lending segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/agcountry
• YouTubeyoutube.com/user/AgCountryFCS
• Facebookfacebook.com/agcountry
• LinkedInlinkedin.com/company/agcountry-farm-credit-services
• Instagraminstagram.com/agcountry

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about AgCountry Farm Credit Services