Southwest Georgia Farm Credit is part of the nationwide Farm Credit System, a financial cooperative owned by its member-borrowers since 1916. Our primary function is to serve the financing needs of rural Southwest Georgia
- 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
- Loans for ag-related businesses
- Residential Mortgages
- Hunting | Recreational Tracts
- Investment Properties
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. For example, Southwest Georgia Farm Credit has returned more than $90 million in patronage refunds since 1988.
The team at Southwest Georgia Farm Credit are financial professionals with the experience and knowledge to provide the help you need when you need it. And we know agriculture and country living. We're federally chartered, but locally operated by people you know and trust.
Our combination of competitive rates, personal service and extensive local knowledge is unmatched in the financial world. Just contact us and see what we can do for you.