Farm Credit of the Virginias

What Farm Credit of the Virginias does

Farm Credit of the Virginias, ACA is a member-owned agricultural lending cooperative founded in 1916 and headquartered at 102 Industry Way, Staunton, Virginia. The institution operates as part of the nationwide Farm Credit System — described in source material as the largest single provider of agricultural credit in the United States — and serves a 96-county territory spanning Virginia, West Virginia, and western Maryland through six branch offices (Staunton HQ, Verona operations center and branch, Wytheville, Abingdon, Bedford, and Ripley). Its core products are farm loans, home loans, land loans, and construction loans, with specialized add-on programs including FarmLaunch for young and beginning farmers, Farm Credit EXPRESS equipment financing, agribusiness loans, and youth agricultural loans.

The business model is interest-income-driven: as a cooperative, the association originates and services loans, earns net interest margin on its portfolio, and returns a portion of profits to borrowers via patronage. Supporting services include Farm Credit Leasing for equipment, Crop Insurance & Risk Management, and a digital banking platform (digitalbanking.farmcredit.net) for account servicing. Multi-channel distribution combines branch-based relationship lending with content marketing (Knowledge Center, blog, newsletter), social media presence, and community programs such as the ACE grant program ($43,000 awarded in 2024 and 2025) and the Charitable Contributions Fund. The customer base exceeded 12,500 farmers, agribusinesses, and rural homeowners as of 2025, with disclosed financing volume of over $2.3 billion (October 2025), up from over $2.0 billion one year earlier.

Underlying technology is conventional financial-services infrastructure: an account-management digital banking portal, loan calculators, and Oracle Cloud HCM for hiring. The cooperative holds regulatory identifiers including NMLS# 456965 and Equal Housing Lender designation, with CCPA and E-Verify compliance. As a cooperative, it has no external parent beyond the Farm Credit System network, is not publicly traded, and capitalizes through borrower investments. The business carries no disclosed M&A, no funding rounds, and no AI/ML capability claims in the input data.

Name

Farm Credit of the Virginias

Legal name

Farm Credit of the Virginias, ACA

Website

https://farmcreditofvirginias.com

Company type

Private

Founded year

1916

Operating status

Operating

Headcount range

101–250 employees

Short description

Farm Credit of the Virginias is a member-owned agricultural lending cooperative, founded in 1916, that provides farm, home, land, and construction loans to more than 12,500 farmers, agribusinesses, and rural homeowners across a 96-county territory in Virginia, West Virginia, and western Maryland.

Ownership category

akta.pro rank

Product category

Agricultural Lending

NAICS

Credit Unions (52213)

SIC

Federal & Federally-Sponsored Credit Agencies (6111)

akta.pro primary industry

Agricultural & Rural Development Banks (FSABAKAE)

Keywords

• Agricultural lending
• Farm loans
• Rural home financing
• Equipment leasing
• Crop insurance

Headquarters

HQ city

Staunton

HQ country

United States

HQ region

North America

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Agricultural and Rural Lending: Farm Credit of the Virginias generates revenue through interest income on loans provided to farmers, agribusinesses, and rural homeowners. As a cooperative, they also return patronage to members based on the association's financial performance.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

Farm Credit of the Virginias is a member-owned lending cooperative that provides loans and financial services to farmers, agribusinesses, and rural residents across Virginia, West Virginia, and western Maryland. Its core offerings are farm loans, home loans, land loans, and construction loans, complemented by agribusiness financing, young/beginning farmer programs (FarmLaunch), equipment financing (Farm Credit EXPRESS), leasing (Farm Credit Leasing), and crop insurance and risk management.

Product overview

Farm Credit of the Virginias is a lending cooperative providing financial products and services exclusively for agriculture and rural America. The core offerings include Farm Loans, Home Loans, Land Loans, and Construction Loans for farmers, ranchers, and rural homeowners. Supporting these are specialized financing programs including Youth Agricultural Loans, Agribusiness Loans, FarmLaunch for young/beginning farmers, and Farm Credit EXPRESS Equipment Financing. The company also offers Farm Credit Leasing, Crop Insurance & Risk Management, and Account Management services. A key differentiator is the Knowledge Center providing digital resources, ag business courses, and farm management education. Community support programs include the Agricultural Career Enhancement (ACE) Grant Program and Charitable Contributions Fund (CCF) Grant Program for agricultural education and rural community development. Digital Banking provides online account access for customers.

Differentiator

Problem solved

Functional benefit

Brands

• FarmLaunch: Young and Beginning Farmer Financing program designed to help startup farmers get financing for their agricultural endeavors
• Farm Credit EXPRESS

Products and services

• Farm Loans Farm Loans provide financing for starting, expanding, or diversifying farming operations with favorable farm financing terms for farmers and agricultural operators within the cooperative's 96-county territory.
• Home Loans Home Loans provide home financing for purchasing homes in rural areas, serving rural residents within the cooperative's territory.
• Land Loans Land Loans offer flexible financing for purchasing rural property, serving buyers seeking acreage in the cooperative's 96-county territory.
• Construction Loans Construction Loans provide financing options for building homes or agricultural structures in rural areas, serving rural homeowners and farm operators undertaking construction.
• Agribusiness Loans Agribusiness Loans provide specialized financing for agricultural business operations and commercial agribusiness ventures, serving agricultural businesses across the territory.
• Youth Agricultural Loans Youth Agricultural Loans provide financing programs designed for young farmers and agricultural youth to start their farming journey, serving the next generation of farmers in the cooperative's territory.
• FarmLaunch (Young and Beginning Farmer Financing) FarmLaunch is a startup loan program designed for young and beginning farmers facing unique challenges when starting a new agricultural endeavor, helping first-time farmers access the capital needed to launch operations.
• Farm Credit EXPRESS Equipment Financing Farm Credit EXPRESS provides expedited equipment financing solutions for agricultural operations, enabling farmers to acquire needed equipment quickly.
• Farm Credit Leasing Farm Credit Leasing provides leasing services for equipment and assets needed for agricultural operations, serving farmers and agribusiness operators needing leased equipment and vehicles.
• Crop Insurance & Risk Management Crop Insurance & Risk Management provides insurance products and risk management strategies to protect agricultural operations from crop loss and market volatility, serving farmers across the cooperative's territory.

Quantifiable outcome

• $43,000 awarded through ACE grant program in both 2024 and 2025 funding cycles

Named customers3 records

Segments6 records

Ideal customer profiles3 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.

• Farm Credit System (Nationwide Network)coreOthersFarm Credit of the Virginias is part of the nationwide Farm Credit System, which is the largest single provider of agricultural credit in the United States. This affiliation provides the backing and infrastructure of a national network while maintaining regional focus and expertise.

Scale indicators7 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• MidAtlantic Farm Credit: Direct peer Farm Credit association serving Delaware, Maryland, Pennsylvania, and parts of Virginia with the same agricultural and rural lending product set. Overlaps geographically with Farm Credit of the Virginias in western Maryland and competes for many of the same ag borrowers.
• AgCountry Farm Credit Services: Farm Credit association serving Minnesota, North Dakota, and Wisconsin with agricultural lending, crop insurance, and leasing. Direct comparable in cooperative model, product breadth, and ag-focused customer base, though in a different production region.
• Farm Credit Services of America: Farm Credit association serving Iowa, Nebraska, South Dakota, and Wyoming with a comprehensive farm and rural lending product set including crop insurance and leasing — same institutional structure and customer profile, scaled across a larger Midwest territory.
• Carolina Farm Credit: Farm Credit association serving North Carolina with agricultural loans, rural home loans, and related services — directly comparable in product mix, cooperative structure, and customer base to Farm Credit of the Virginias in an adjacent mid-Atlantic/Southeast territory.
• Farm Credit Mid-America: Large Farm Credit association serving Indiana, Ohio, Kentucky, and Tennessee with farm loans, home loans, crop insurance, and leasing — same cooperative structure, product portfolio, and member-owned patronage model, scaled to a larger multi-state territory.

Broad incumbents

• CoBank: One of four banks within the Farm Credit System, providing wholesale funding and direct lending to agribusinesses, cooperatives, and rural infrastructure across the U.S. Affiliated institution that provides capital backbone to Farm Credit of the Virginias through the Farm Credit System.
• AgFirst Farm Credit Bank: One of the four Farm Credit System banks and the funding bank for Farm Credit of the Virginias along with several southeastern U.S. Farm Credit associations. Not a direct lender to farmers but provides the institutional funding infrastructure that the subject company relies on.

Emerging players

• John Deere Financial: Captive finance arm of John Deere offering equipment loans and leases to agricultural producers. Directly competes with Farm Credit EXPRESS and Farm Credit Leasing for equipment financing relationships with farmers in the territory.
• AgriFinancial (Crum & Forster): Specialty agricultural lender offering farm, ranch, and agribusiness loans including FSA-guaranteed programs. Comparable niche focus on agricultural credit with overlapping product types, though operating as a non-cooperative specialty lender.

Others

• American Farm Bureau Federation: Largest U.S. agricultural advocacy organization representing farm and ranch families. Adjacent ecosystem participant that shapes policy and public perception affecting the agricultural lending environment in which Farm Credit of the Virginias operates.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/FarmCreditVAs
• YouTubeyoutube.com/user/FarmCreditVAs
• Facebookfacebook.com/FarmCreditofVirginias
• LinkedInlinkedin.com/company/farm-credit-of-the-virginias-aca
• Instagraminstagram.com/farmcreditvas
• Pinterestpinterest.com/FarmCreditofVAs

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Farm Credit of the Virginias