Financial Assistance for Farmers, Roanoke

Farm Credit is part of the nationwide Farm Credit System, a financial cooperative owned by its member-borrowers since 1917. Our primary function is to provide loans, including:

long-term farm and country home loans, Intermediate-term loans for buildings, machinery, and other equipment, Intermediate-term loans for land, construction, livestock and improvements, Short-term production loans for both full-time and part-time farmers, and Wood industry loans for operating capital, timberland acquisition, standing timber.



Unlike commercial banks, our cooperative structure means that a portion of the profits generated from our lending activity is returned to our borrowers in the form of patronage refunds. These patronage refunds are based on the proportion of interest earned on an individual loan. This significantly reduces the cost of borrowing for our customers, and patronage refunds are split between a direct cash payment and an allocated surplus account in the member's name.



The mailing address is P O Box 339, Cloverdale VA 24077.