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Valley Farm Credit is a credit cooperative.  When doing business with us, you become a shareholder-member and are eligible for an abundance of member benefits including sharing our profits. 

We share our profits with our customers through our Patronage Refund Program. A patronage refund returns to you a portion of your interest paid, and essentially reduces your effective cost of borrowing.

What would you like to do next?

Learn More About Patronage Refunds- You will be redirected to the newly merged Association's site - MidAtlantic Farm Credit

Meet the Board of Directors- You will be redirected to the newly merged Association's site - MidAtlantic Farm Credit

Review our Financials - You will be redirected to the newly merged Association's site - MidAtlantic Farm Credit

Read our Charters - You will be redirected to the newly merged Association's site - MidAtlantic Farm Credit

Equal Housing Lender  •  Equal Credit Opportunity Lender  •  Equal Opportunity Employer

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Valley Farm Credit Administrative Office • P.O. Box 2700 • Winchester, VA 22604 • (540) 662-3473 
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