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About Us

Straightforward financing through personalized service

Ag Credit has been providing farmers and rural residents with credit in Central Kentucky since 1934.

Ag Credit understands farming in Central Kentucky and knows that farmers want to build a legacy for their families and carry on their family farming tradition.

Farm Credit System

Central Kentucky Ag Credit is a member of the Farm Credit System, a nationwide network of cooperative lending institutions that has provided credit and financially related services to farmers, ranchers and their cooperatives for over a century. 

The System is the largest single producer of agricultural credit in the United States. System banks and the local associations specialize in agriculture. Since the System was created in 1916, it has evolved with the agricultural industry.

Local service with national stability. We are Central Kentucky Ag Credit – see how we can serve you.

The Ag Credit Advantage

Relationship Lender 

Our number one priority is you. Ag Credit staff realize the most important part of our business is our relationship with our customers. We're here for you in both the good and bad times. When you work with Ag Credit, you’ll have a dedicated loan officer throughout the entire process.

Local Experts

Ag Credit staff live and work in the communities we serve, and many are also farmers. This means your lender understands the challenges you're facing and can create a loan package that works best for your needs. We truly do know agriculture. 

Cooperative Structure

Central Kentucky Ag Credit is a true financial cooperative, that is owned by the same farmers and rural residents we serve. Customer-owners vote to elect our board of directors and also share in our patronage distribution.

Community Involvement 

Being active within local communities is extremely important to Ag Credit. Ag Credit staff are local and live in the same communities as you. We support local 4-H and FFA groups, field days, extension meetings and several other community events and clubs. 

Ag Finance Professionals 

Your Ag Credit loan officer will help you prepare your balance sheet, income statement and other financial documents related to your farm operation. Your loan officer is dedicated to the lending process from beginning to end. This allows you to benefit from their knowledge of your operation’s specific goals and challenges. We won’t pass your financial information to some “far away analysts”. Instead, at Ag Credit, your local loan officer will gather your information, analyze your information and attend your loan closing. 

Mission Statement

It is the objective of the Central Kentucky Agricultural Credit Association ("Ag Credit") to be the premier provider of short-, intermediate-- and long-term agricultural/rural home credit to eligible borrowers within its territory. The Association will be financially sound for the benefit of all its member-farmers and flexible in providing credit and financially related services to benefit both individual borrower and the lender.