AgCarolina Farm Credit’s mission is to provide constructive credit and financial services to grow the success of our members, one local relationship at a time.
The AgCarolina Way
- We are a knowledgeable, trusted partner that builds local relationships
- Provide personalized member service and financing solutions
- Offer competitive products and services, plus patronage
Serving 46 counties in central, eastern and southeastern North Carolina, AgCarolina Farm Credit services the credit needs of part and full-time farmers, as well as the mortgage credit needs of rural homeowners. Federally chartered and a part of the national Farm Credit System, we are locally owned by our members. As we work together, we can help you achieve your goals and dreams, while strengthening our communities.
We owe our success to our members and appreciate their support in helping us grow and remain financially strong. Each member has a direct impact on the Association’s continued growth and the payment of patronage. Returning a patronage refund is evidence of our commitment to our members and the cooperative principles, which make us the most reliable and trusted agricultural lender in the area.
If you are a current member, thank you for partnering with AgCarolina Farm Credit and allowing us to serve your needs. If you are a prospective member, I encourage you to contact a relationship lender closest to you as they create a financing solution that meets your needs.
We look forward to serving agriculture and your credit needs for years to come!
Sincerely,

Evan Kleinhans
Chief Executive Officer
Association News
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:Blog
Love Where You Live
From coastal plains to winding rivers, Eastern North Carolina holds a beauty all its own. It’s where the tea is sweet, BBQ is a noun, and strong agricultural roots shape everyday life. From family... -
:Press Releases
Farm Credit Associations of NC Contribute $90,000 to Support Local 4H & FFA Chapters
GREENVILLE, N.C. – AgCarolina Farm Credit and AgSouth Farm Credit are pleased to announce that the 2025 Pull for Youth sporting clays events generated $90,000 to benefit North Carolina 4‑H and FFA... -
:Patronage
AgCarolina Farm Credit Announces $42 Million Patronage Distribution to Members on March 26, 2026
AgCarolina Farm Credit is pleased to announce that its 2025 patronage distribution—totaling $42 million in all‑cash refunds—will be returned to members on March 26, 2026. This distribution is paid...
"I think talking to Farm Credit and them being a part of our long term plans is part of the reason why we're so successful."
The team at Kornegay Family Farms has a passion for agriculture and continuing their family tradition of farming. They discuss partnering with AgCarolina Farm Credit to sustain their fourth-generation family farm in Johnston County, NC.
Get Started
Contact a relationship lender for information about loans, services, and more.