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

Meet the Board of Directors

Review our Financials

Read our Charters

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

PRIVACY POLICY

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