AgCarolina Farm Credit - Smithfield, North Carolina

Introduction

Nestled at 2850 US Hwy 70 Business East in Smithfield, North Carolina, AgCarolina Farm Credit stands as a beacon of support for the agricultural community. As a full-service financial cooperative, AgCarolina is committed to providing exceptional service and personalized solutions to farmers and rural residents. This comprehensive article delves into the main services, location, unique features, practical information, and positive aspects of AgCarolina Farm Credit.

Main Services

• Farm Operating Loans: These loans help farmers cover day-to-day expenses and cash flow needs throughout the growing season.
• Livestock Loans: AgCarolina offers loans to purchase or finance livestock, including cattle, hogs, poultry, and other farm animals.
• Equipment Loans: Farmers can finance new or used farm equipment, vehicles, and machinery with competitive rates and terms.
• Farm Improvement Loans: These loans assist farmers in making improvements to their land, buildings, or facilities, enhancing productivity and efficiency.
• Construction Loans: AgCarolina finances the construction of new farm buildings, homes, or facilities, with flexible terms tailored to each project.
• Rural Home Loans: The cooperative offers mortgage loans for purchasing, building, or improving homes in rural areas, with low down payments and flexible terms.
• Farm Land Loans: AgCarolina finances the purchase or refinance of farmland, with customized loan terms to suit individual needs.
• Rural Land Loans: These loans help finance the purchase or refinance of non-farm rural land, including recreational properties and timberland.
• Young, Beginning, and Small Farmers: AgCarolina offers specialized programs and resources to support young, beginning, and small farmers, including low-interest loans and educational opportunities.
• Leasing: The cooperative provides leasing options for equipment, vehicles, and real estate, allowing farmers to access the assets they need without the full financial commitment.
• Insurance: AgCarolina offers a range of insurance products, including crop, livestock, life, and health insurance, to help farmers protect their assets and manage risks.
• Account Management: AgCarolina provides online and mobile banking services, allowing customers to manage their accounts, make payments, and access statements securely.
• Association News: The cooperative keeps members informed about industry news, events, and resources through regular newsletters and updates.
• Budget Calculator: AgCarolina offers a budget calculator tool to help farmers plan and track their expenses, cash flow, and profitability.
• Photo Contest: AgCarolina hosts an annual photo contest, inviting members and the community to submit photos showcasing the beauty and diversity of agriculture in the region.

Location and Access

AgCarolina Farm Credit is situated at 2850 US Hwy 70 Business East, Smithfield, NC 27577, in the heart of Johnston County. The location is easily accessible from major highways, including Interstate 95 and US Highway 70. The branch is conveniently located near several neighborhoods, including Smithfield, Four Oaks, Clayton, and Selma.

Public transportation is available nearby, with the Smithfield station of the Gold Line bus service located approximately one mile away. The branch offers ample parking, including dedicated spaces for customers with disabilities. The facility is wheelchair-accessible, with a ramp leading to the entrance and wide doorways for easy navigation.

Featured Characteristics

• Experienced Loan Officers: AgCarolina's loan officers have deep roots in agriculture and understand the unique needs and challenges of the industry. They work closely with customers to tailor financial solutions that support their goals.
• Personalized Service: As a cooperative, AgCarolina prioritizes building relationships with its members. Loan officers take the time to understand each customer's situation and provide exceptional, personalized service.
• Community Involvement: AgCarolina is actively involved in the local community, supporting agricultural education, youth programs, and community events. The cooperative sponsors 4-H and FFA programs, scholarships, and local fairs and festivals.
• Agricultural Expertise: With a focus on agriculture since 1916, AgCarolina has developed a wealth of knowledge and experience in the industry. The cooperative stays up-to-date with the latest trends, technologies, and best practices, allowing it to provide valuable insights and guidance to its customers.

Practical Information

• Hours of Operation: Monday-Friday, 8:00 AM - 5:00 PM. The branch is closed on Saturdays and Sundays.
• Contact Information: Phone: 919-934-9731, Website: agcarolina.com
• ATM Services: AgCarolina offers a shared branching network with access to thousands of ATMs nationwide, allowing customers to conduct transactions at convenient locations.
• Security: The branch features video surveillance, secure entry, and a customer service representative available to assist with any concerns or issues.

Positive Aspects from Reviews

With an average rating of 4.7/5 from 3 reviews on Google My Business, AgCarolina Farm Credit receives high praise from its customers. Some positive aspects highlighted in the reviews include:

• Exceptional Customer Service: Several customers commend AgCarolina's loan officers and staff for their friendly, knowledgeable, and helpful demeanor. One customer noted, "Everyone I have dealt with has been kind, professional, and extremely helpful."
• Competitive Rates and Terms: Customers appreciate the competitive loan rates and flexible terms offered by AgCarolina, with one reviewer stating, "I got the best rate and terms I could have hoped for."
• Peace of Mind: A customer expressed gratitude for the peace of mind provided by AgCarolina, stating, "I have a peace of mind knowing that AgCarolina and my loan officer have my best interests in mind." This sentiment is echoed by other customers who feel valued and well-supported by the cooperative.
• Community Support: AgCarolina's commitment to the local community is evident in the positive feedback received from customers. One reviewer highlighted the cooperative's support of local 4-H and FFA programs, noting, "They are very involved in the community and support local agriculture."

AgCarolina Farm Credit's comprehensive range of services, experienced loan officers, and personalized approach to banking have earned it a reputation as a trusted and reliable financial partner for the agricultural community. With a commitment to supporting the growth and success of local farmers and rural residents, AgCarolina continues to make a positive impact on the region.