We deliver value-added financing and services to North Carolina s rural communities. AgCarolina is a member of the nearly 100-year-old Farm Credit System, the largest provider of credit to American agriculture. As a member-owned financial services cooperative, we provide farmers, ranchers and agribusinesses with the greatest opportunity for success through low-cost financing and exceptional service. Unlike commercial banks, our cooperative structure means a portion of the profits generated from our lending activity is returned to our borrowers in the form of patronage refunds, which significantly reduce the cost of borrowing for our customers.
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