AgChoice Farm Credit, ACA

What AgChoice Farm Credit, ACA does

AgChoice Farm Credit, ACA operates commercially as Horizon Farm Credit, a cooperatively-owned agricultural lending association within the U.S. Farm Credit System, headquartered at 300 Winding Creek Blvd, Mechanicsburg, PA, and founded in 1916. The firm provides specialized credit and financial services to farmers, agribusinesses, rural homeowners, and beginning farmers across five Mid-Atlantic and Northeast states — Delaware, Maryland, Pennsylvania, Virginia, and West Virginia — through a branch-led distribution model staffed by loan officers, supplemented by an inside-sales phone channel (888.339.3334) and a shared digital banking portal (digitalbanking.farmcredit.net, ACA identifier 032). Core products span production and operating loans, equipment financing, real estate loans, agricultural leases, rural home and construction mortgages, land loans, and beginning-farmer programs; the firm also distributes bundled adjacencies including crop insurance and risk management, appraisal services, and accounting/records/payroll/tax support.

The business model is interest-income-driven loan origination to a customer-base that simultaneously holds member-owner status in the cooperative. Pricing is quote-based and not publicly disclosed; the structural differentiator is the patronage dividend program, under which a portion of cooperative profits is returned to customer-owners and can reduce effective interest rates by approximately one percent. Revenue streams include agricultural lending, home lending, land lending, and agricultural lease financing, each reported on a recurring basis tied to outstanding loan balances. The entity is private (no public ticker), cooperatively held by its borrower-members, and operates under federal Farm Credit System regulation (NMLS# 452721).

Name

AgChoice Farm Credit, ACA

Legal name

Horizon Farm Credit

Website

https://agchoice.com

Company type

Private

Founded year

1916

Operating status

Operating

Headcount range

251–500 employees

Short description

AgChoice Farm Credit, ACA operates as Horizon Farm Credit, a cooperatively-owned Farm Credit System association providing agricultural loans, rural home mortgages, land loans, leases, and beginning-farmer programs to farmers and rural residents across five Mid-Atlantic states.

Ownership category

akta.pro rank

Product category

Agricultural Lending

SIC

Savings Institution, Federally Chartered (6035), Agricultural Services (700)

akta.pro primary industry

Agricultural & Rural Development Banks (FSABAKAE)

akta.pro secondary industries

Farm Financial Management & Recordkeeping Services (AFACAJAC), Farm Finance, Input Procurement & Risk Tools (Budgeting, Inventory, Insurance Links) (AFAAAFAO)

Keywords

• Agricultural lending
• Farm credit loans
• Rural home loans
• Land financing
• Beginning farmer loans

Headquarters

HQ city

Mechanicsburg

HQ country

United States

HQ region

North America

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Agricultural Lending: Provides loans to farmers and agricultural businesses including production loans, equipment financing, real estate loans, and operating lines of credit. Revenue generated through interest income on loans.
2. Home Lending: Mortgage and construction loans for rural and country homes including construction loans and country home loans.
3. Land Loans: Financing for land purchases including farmland, recreational land, and rural properties.
4. Agricultural Leases: Lease financing options for agricultural equipment and facilities.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels9 records

Core offering

AgChoice Farm Credit, ACA (doing business as Horizon Farm Credit) is a cooperatively-owned agricultural lending institution that originates and services loans for farmers, agribusinesses, and rural residents, including production loans, equipment financing, real estate loans, operating lines of credit, construction and country home loans, land loans, and agricultural leases. It complements lending with services such as accounting/records/payroll/tax support, appraisal, crop insurance, risk management, and a patronage dividend program that returns profits to customer-owners.

Product overview

Horizon Farm Credit is an agricultural lending company offering a comprehensive suite of financial products and services to farmers and rural communities. Their core offerings include specialized agriculture loans covering diverse sectors (forestry, livestock, crops, orchards, vineyards, equipment, agribusiness, aquaculture, and dairy), home loans for rural properties, land loans, agricultural leases, and beginning farmer programs. They provide additional services including accounting and tax support, appraisal services, crop insurance and risk management, and flexible payment options. Their distinctive patronage program distributes profits back to customer-owners, potentially reducing borrowing costs by approximately one percent. The company operates across Delaware, Maryland, Pennsylvania, Virginia, and West Virginia.

Differentiator

Problem solved

Functional benefit

Products and services

• Agriculture Loans Specialized loan products for agricultural operations across multiple commodities including forest products, hogs, poultry, beef, equine, orchards, crops, produce, vineyards and wineries, equipment, agribusiness, aquaculture, and dairy, used by farmers and agribusinesses.
• Home Loans Mortgage and construction loans for rural and country home purchases, including construction loans and country home loans, offered to rural residents.
• Land Loans Loans for the purchase of farmland, recreational land, and rural properties, arranged with experienced loan officers.
• Agricultural Leases Lease financing options for agricultural equipment, facilities, and operations.
• Beginning Farmer Loans Specialized loan programs designed to support new and beginning farmers in establishing their agricultural operations.
• Digital Banking Online digital banking platform for existing customer-owners to manage loans, make payments, and access account information.
• Accounting, Records, Payroll & Taxes Professional support services for agricultural business accounting, record-keeping, payroll processing, and tax preparation.
• Appraisal Services Professional appraisal services for agricultural properties and assets, supporting lending and risk decisions.
• Crop Insurance & Risk Management Risk management tools and crop insurance products to protect agricultural operations against yield loss, price volatility, and other risks.
• Payment Options Flexible payment options and methods for loan repayments and related transactions.

Quantifiable outcome

• Patronage dividend can reduce customer interest rate by approximately one percent

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Others

• CoBank: A Farm Credit System bank that provides wholesale funding, lending, and capital markets services to affiliated associations, agribusinesses, and rural infrastructure providers — a system-level peer and funding counterpart rather than a direct retail lender.
• AgFirst Farm Credit Bank: The Farm Credit System bank that funds and supervises AgChoice/Horizon and other Mid-Atlantic and Southeast associations. It is a wholesale funding partner and affiliated entity rather than a direct retail competitor, but provides a structural relationship that distinguishes these associations from peers in other Farm Credit districts.

Direct peers

• Capital Farm Credit: The largest Farm Credit association in Texas, offering a comparable full suite of agricultural loans, rural real estate loans, leases, and crop insurance with a patronage program — closely comparable operating model and product breadth at a larger scale.
• Farm Credit Services of America: One of the largest Farm Credit System associations, serving Iowa, Nebraska, South Dakota, and Wyoming with agricultural lending, crop insurance, and rural home financing — closely comparable business model and product breadth, with larger scale.
• GreenStone Farm Credit Services: A Farm Credit System association serving Michigan and northeast Wisconsin with a similar mix of agricultural production loans, real estate loans, country home loans, crop insurance, and a patronage program — directly comparable operating model.
• Compeer Financial: A large multi-state Farm Credit System association serving Illinois, Minnesota, and Wisconsin with a similar full-spectrum offering (ag lending, rural home loans, crop insurance, allied services) and a comparable cooperative patronage model — a strong scale-comparable peer.
• John Deere Financial: The captive finance arm of John Deere, providing equipment financing, leases, and revolving credit to agricultural producers — competes directly for the equipment-finance and operating-line wallet of the same farm customer base.
• Rabo AgriFinance: A subsidiary of Rabobank Group and one of the largest non-Farm Credit specialty agricultural lenders in the U.S., offering production loans, equipment financing, real estate loans, and crop insurance — a directly comparable non-cooperative competitor for the same agricultural borrower base.
• MidAtlantic Farm Credit: A fellow Farm Credit System association serving a similar Mid-Atlantic geography (DE, MD, PA) with agricultural loans, home loans, leases, and crop insurance — directly overlapping customer base, product set, and patronage-style cooperative structure.
• Farm Credit of the Virginias: A Farm Credit System association serving Virginia and West Virginia with overlapping territory and an essentially identical product suite (ag loans, home loans, land loans, leases, crop insurance), making it one of the closest head-to-head competitors in the shared footprint.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xtwitter.com/HorizonFarmCrdt
• YouTubevimeo.com/user177917932
• Facebookfacebook.com/agchoicefarmcredit
• LinkedInlinkedin.com/company/787169
• Instagraminstagram.com/horizonfarmcredit

Revenue estimate

Valuation estimate

Number of profiles

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 AgChoice Farm Credit, ACA