Loans may be obtained at fixed, variable, or adjustable rates.

1. Local competition
2. Cost associated with obtaining loan funds and servicing the loan
3. Risk associated with the loan
4. Size of loan
5. Loan term

When you obtain a loan from AgCarolina Financial you become a member of a local Farm Credit association -- a business owned and controlled by its member-borrowers who elect a board of directors to serve as policy makers for the local association.