Local Service, Nationwide Recognition

River Valley AgCredit is part of the nationwide Farm Credit System, providing financing for agriculture and rural living since 1916. We serve Western Kentucky as well as 12 counties in Tennessee. In total, we have 12 branches conveniently located to serve you. We are federally chartered, but locally operated by people you know and trust. We have more than $500 million in loans outstanding to more than 5,000 members and are controlled by a group of local directors who are also farmers.

Financial Experts in Agriculture and Rural Living 

We are lending experts in agriculture and country living. Our team of financial professionals has the experience and knowledge to provide the assistance you need when you need it. Our combination of competitive rates, personal service, and extensive local knowledge is unmatched in the financial world.

Profits That Go Back to You 

What sets AgCredit apart from other financial institutions? We're unlike commercial banks, because our cooperative structure allows us to return a portion of our profits to our borrowers in the form of patronage refunds. This significantly reduces the cost of borrowing for our customers.

This borrower benefit matched with our low rates, friendly service, and the most knowledgeable rural lending staff make us the leader in rural financial services.

How You Profit

Loans and Services 

Agricultural Loans

Our primary function is to provide agricultural loans for local farming operations. We serve agribusinesses, established farms, and young farmers just starting out. 

  • Long-term farm and 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

Financial Services 

As a complete financial institution for the agricultural industry, we also provide a full range of other financial services for our customers.

  • Secondary market financing for homeowners
  • Multi-peril and crop hail insurance
  • Leasing
  • Credit life insurance
  • Term life insurance
  • Join the River Valley AgCredit Family

    Join a community that celebrates farming and rural America, and get financial support from local experts who are committed to delivering helpful, personalized service across Western Kentucky and Tennessee.