The Farm Credit Story Farm Credit of Central Florida is part of the nationwide Farm Credit System, a financial cooperative owned by its member-borrowers since 1917. Our primary function is to provide agricultural loans, including: 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 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. Patronage refunds are split between a direct cash payment and an allocated surplus account in the member's name. For example, in 2008 we returned more than $11 million. As a complete financial institution for the agricultural field, we also provide a full range of other financial services for our customers, including: Secondary market financing for homeowners Truck and equipment leasing Credit life insurance The team at Farm Credit of Central Florida is staffed with financial professionals possessing the experience and knowledge to provide the help you need when you need it. 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.