AgCarolina Financial is a farmer owned cooperative that provides financial support to rural eastern North Carolina through farm loans, agribusiness loans, home financing, and rural property lending. We are an institution of the Farm Credit System.

Unlike commercial banks, our cooperative structure reduces the cost of borrowing and returns a portion of the profits generated from our lending activity to our borrowers in the form of patronage refunds.

Established in 1916, AgCarolina Financial now offers 12 branch locations throughout eastern North Carolina to best serve you.

Prior to December 1, 2007, AgCarolina Financial was known as East Carolina Farm Credit.