AgChoice Farm Credit is an Agricultural Credit Association with nearly $1.4 billion in gross loan assets. Through our 10 branch offices, we provide a broad range of financial services to farms and forest products business owners in a chartered territory consisting of 52 counties in central, western and northern Pennsylvania, as well as four counties in West Virginia.
AgChoice Farm Credit provides special added value to its customers through the 140+ employees that make up the organization. In addition to their experience and dedication to customer service, employees continually take part in an aggressive, on-going training program that further develops their skills and knowledge. This foundation is strengthened further by the team approach that our employees use to serve each customer.
What We Do
AgChoice Farm Credit's mission is to create maximum value for our customer-owners. While the primary focus for loans and services is Pennsylvania's largest industry — agriculture — a secondary and closely related focus is to offer country home loans, forest product loans, agri-business loans and small farm loans in our rural communities. We can service all of the credit needs of the part-time and full-time farmer, as well as the mortgage credit needs of the rural homeowner.
Create maximum value for our customer-owners.
Enhancing the quality of life in rural America with innovative business and financial solutions.
- Constantly Growing, Learning and Innovating
- Be a growth-oriented business
- Provide best-in-class customer service
- Employ only the most talented and engaged people
- Provide a broadening base of financial solutions
- Be a leader in cost control and efficiency
- Have an open-minded approach to organization structure and development
How We Operate
AgChoice Farm Credit is a federally chartered, but locally operated, cooperative that is owned by its borrowers. A minimal stock ownership requirement accompanies a borrowing relationship. In addition, AgChoice Farm Credit allocates its annual earnings (profits) back to its borrowers in proportion to the amount of interest paid for the year. Thus, the business truly operates only to the benefit of its customer-owners.
AgChoice Farm Credit farm borrowers purchase stock when they obtain their farm loans, giving them the right to participate in elections and a voice in the business. The customer-owners elect AgChoice Farm Credit's Board of Directors, who are customer-owners and farmers just like you.
AgChoice Farm Credit offers loans and a variety of financially-related services to a variety of farming enterprises and rural homeowners including, dairy, beef and crop farms, and individuals seeking country home loans.
AgChoice Farm Credit provides many avenues of service for you, our customers. One is direct service at your farm or business, provided by the talented team of AgChoice employees. As a customer, you can conduct business functions electronically through Account Access or via email with your loan officer. Our employees partner with numerous industry allies as well. That allows them to deliver an even broader level of expertise to meet the varied needs of our customers.
A Commitment to Agriculture
Unlike commercial banks and other lenders, AgChoice Farm Credit is owned by its borrowers. This cooperative structure is one of the best assurances that competitively-priced products and farm loan terms will be available during good times and bad.
AgChoice Farm Credit is committed to agriculture in Pennsylvania. With more than $1.4 billion in gross loan volume, AgChoice is the largest agricultural lender in the state.
Our commitment to Pennsylvania's agricultural and forest products industries is showcased through financial support of industry programs, leadership roles in industry organizations and through our team of specialized experts. Our team of dairy, equine and forest products experts understand day-to-day management of farm and business operations, the latest techniques and technology and standard operating procedures. They are a value-added resource, focusing their time on developing the most effective financial management needs and strategies for you, our customer-owners.
By working with county and state programs, our staff is connected to the agricultural and forest products industries. Through financial support and leadership roles, we have the ability to bring ideas to the table, encourage and expand on educational forums and assist you in achieving your goals.
Contact us for additional information regarding our commitment to your industry.
A Committment To:
- Delivering compelling customer experiences
- Cultivating inspired associates
- Making a difference
The AgChoice Way
Every business has its own culture, whether it just develops on its own, or if there is thought given to what it should be and how it can support the mission of the business. At AgChoice we know the kind of culture that we need to have to support our mission and achieve our goals on behalf of our customer-owners. We describe that culture in a document called The AgChoice Way.
We believe the AgChoice Way is about living our vision of making a difference and providing you with what you really want. This is accomplished through our mutual experiences and the relationships between us. The AgChoice Way is about a shared "passion for service" mindset of all AgChoice associates. That shared mindset becomes natural to what we do every day in serving you.
What it all means
We strive to achieve ultimate customer satisfaction. By thoroughly understanding your wants and needs, we identify new services or resources that add value, improve convenience, create opportunities and help you achieve your dreams.
We also recognize that our associates are our most valuable asset and our organization is committed to their continued development. AgChoice provides opportunities for our associates to be engaged in developmental and company-guiding activities and fosters the team concept by sharing knowledge, building trust and providing reciprocal loyalty.
We make a difference. Your best interest is always our focus. We take great pride in knowing that our expertise in serving agriculture and rural America, is our competitive advantage. This knowledge also includes understanding your business and the industries and communities in which you work and live. We continue to strive to provide the most valuable ideas, options and solutions for you to consider. After all, it is the AgChoice way!