AgHeritage Farm Credit Services

AgHeritage Farm Credit Services is a member-owned cooperative dedicated to providing comprehensive financial solutions tailored to the agricultural community in central Arkansas. Established in 1916, the organization has a rich history of supporting farmers, ranchers, and rural residents by offering a diverse range of financial products and services.

Financial Products and Services

AgHeritage FCS specializes in various loan products designed to meet the unique needs of the agricultural sector:

• Farm Real Estate Loans: These loans assist full-time and part-time farmers in purchasing or refinancing agricultural properties, including timber tracts and recreational land.
• Operating Loans: Designed to fund day-to-day business expenses, these loans support the operational needs of farming enterprises.
• Equipment and Vehicle Loans: AgHeritage FCS offers financing for essential equipment and vehicles, such as tractors and harvesters, crucial for efficient farm operations.
• Livestock Loans: Tailored financing solutions are available for both poultry and cattle operations, covering expenses from debt refinancing to new purchases.
• Timber Loans: Recognizing the distinct needs of the timber industry, AgHeritage FCS provides specialized financing for haulers, loggers, and mill owners.
• Home Loans: For those seeking rural residential properties, AgHeritage FCS offers long-term, fixed-rate loans with flexible terms, including options for construction-to-permanent financing.

Patronage Program

As a cooperative, AgHeritage FCS shares its success with its customer-owners through a Patronage Program. In 2024, the organization returned a record $10.1 million in profits to eligible members, reinforcing its commitment to the communities it serves.

Online Banking Services

To enhance accessibility and convenience, AgHeritage FCS offers an online banking platform that allows customers to manage accounts, view transaction histories, and perform transfers securely.

Branch Locations

AgHeritage FCS operates nine branch locations across central Arkansas, ensuring personalized service and support for its diverse clientele. These branches are situated in:

• Batesville
• Brinkley
• Little Rock
• Lonoke
• McGehee
• Newport
• Pine Bluff
• Pocahontas
• Searcy

Each location is staffed with professionals dedicated to understanding and addressing the specific needs of the local agricultural community.

Additional Location

AgHeritage Farm Credit Services also maintains a main office in Little Rock, AR, USA, further solidifying its central presence in the region.

Through its comprehensive suite of financial products, commitment to cooperative principles, and extensive local presence, AgHeritage Farm Credit Services continues to be a vital partner in the growth and prosperity of Arkansas's agricultural sector.