Why Generations of Farmers and Ranchers Trust Legacy Ag Credit

For more than 100 years, Legacy Ag Credit has been a trusted partner to the farmers, ranchers, and rural families who make Northeast Texas strong. We’re not just a lender, we’re a part of the community, working alongside those who grow our food, raise our livestock, and care for the land.

As a borrower-owned cooperative, Legacy Ag Credit operates on a simple principle: our success is tied to yours. Every dollar we earn is reinvested back into the cooperative, benefiting our members through competitive loan rates, patronage distributions, and personalized service that understands the unique challenges of agriculture.

The Power of the Cooperative Model

When you borrow from Legacy Ag Credit, you’re more than a customer - you’re an owner. This means you have a voice in how we operate, and you share in our success. It’s a relationship built on trust, transparency, and a shared commitment to supporting agriculture for future generations.

Members also benefit from unique tools like our interest rate conversion option, designed to help you take advantage of better rates without the hassle and expense of refinancing. This feature allows you to adjust your existing loan’s interest rate when market conditions improve, saving you time, paperwork, and closing costs. It’s just one of the many ways we’re committed to helping our members stay ahead in a changing market, ensuring that you have the flexibility to manage your farm credit loans effectively and confidently.

Another way the cooperative model pays off is through our patronage program. Each year, qualifying borrowers receive a check, sharing in the profits they helped create. It’s more than just a financial benefit; it’s a reflection of how Legacy Ag Credit reinvests in our members, supporting the very people who make our cooperative strong.

Personalized Lending – Not One Size Fits All

At Legacy Ag Credit, we don’t believe in cookie-cutter solutions. Every farm, ranch, and rural property is different, and so are your financial needs. That’s why we take the time to understand your goals and offer loan options that fit your operation, not the other way around.

Our loan officers aren’t just lenders - they’re ag people. Many have farmed or ranched themselves, so they understand the business beyond the numbers. Their extensive agricultural backgrounds give them real-world insight to help you make informed financial decisions for your operation. Plus, with in-house appraisers who know the land and the unique nature of ag properties, you can count on faster decisions and more accurate valuations, all tailored to the needs of rural life.

We don’t ship your file off to a corporate office. Our lending decisions are made locally, by people who know the region and recognize the value of your operation, not just on paper, but in practice. That means faster decisions and answers that make sense for your specific situation.

Agriculture doesn’t run on a 9-to-5 schedule, and neither do we. Our team makes it a point to be available when you need us. After chores are done or before the sun’s up, we can meet you on your timeline.

Financing Legacies, Growing Communities

For generations, farmers, ranchers, and rural Texans have turned to Legacy Ag Credit for more than just loans. They come to us for guidance, stability, and a partnership that lasts through good years and hard times alike. That level of trust isn’t built in a day, it’s earned over time through reliable service, a deep understanding of rural life, and a shared dedication to helping agricultural families grow and succeed.

Whether you need financing for land, livestock, equipment, or a rural home, we’re here to help you build a lasting legacy - one that grows stronger with each season.

Your Local Connection to Rural Lending 

With six branches across Northeast Texas, we’re close by and ready to help you turn your vision into reality. When you call us, you’re not reaching a call center. You’re connecting with real people who live where you live and care about what you care about. We know that traditional banks don’t always understand the nuances of rural property, but we do, because that’s our specialty.

At Legacy Ag Credit, we’re more than lenders. We’re your neighbors, your partners, and your advocates - working together to support the future of agriculture in Texas.