About AFCS

Generations of farmers, ranchers and homeowners have relied on AgHeritage Farm Credit Services for loans and financial services. We can help you live the life you’ve chosen, whether on the farm, in the country, or in the city. We serve people like you – from all walks of life.

Farm Credit Services is the leader in agricultural and rural financing in the United States. Rural America’s Customer-Owned Partner

In fact, we’re the largest single lender to agriculture in the nation. And FCS does something no other lender does. We operate as a cooperative, for the benefit of our customers. AgHeritage FCS is the cooperative servicing the financial needs of the agricultural community in 24 central Arkansas counties. Based in Little Rock, AgHeritage FCS has nine branch locations and provides services to over 2,900 customer-owners, with owned and managed assets in excess of $850 million as of December 31, 2011. Founded in 1916, FCS has had a long-standing partnership with agriculture and rural America. We’ve helped America’s farmers and rural communities grow and prosper by providing sound, dependable credit and financial services.

Whether you’re a full- or part-time farmer, have an agribusiness, or just want to buy a home, AgHeritage Farm Credit Services offers financing for your lifestyle.

From rural real estate to timber tracts, from homes to recreational property, we finance it all. We make it easy for you because we know agriculture, and we’re experts in rural financing. Throughout our many offices, you’ll find lenders who are specialists in all types of agriculture, as well as homes and land. And since we’re a cooperative, when you borrow from AgHeritage FCS, you have a voice in how the association is managed.

Size and Structure

AgHeritage FCS is one of four cooperative lenders in the Farm Credit organization serving the state of Arkansas who, along with several other states, are grouped together to form a district of the Farm Credit System. The Farm Credit System, a national cooperative that serves those involved in the business of agriculture nationwide, sells bonds on Wall Street to fund the System’s loans to farmers, ranchers, rural businesses, communities and homeowners. These funds are distributed down from Wall Street to Arkansas producers through a wholesale financial institution that provides funding for AgHeritage FCS and other district states. Nationally, Farm Credit is the largest single lender to the agricultural industry.


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