AgSouth Farm Credit

AgSouth Farm Credit is a mortgage lender in Vidalia, GA. It provides agricultural and rural financing for farmers, landowners, rural homeowners, and agribusinesses, with loans for land, farms, and homes. Farm loans serve both newly formed and decades-old farms, while land loans cover farm, home, or recreational property and home loans cover traditional purchases and new construction. The cooperative also offers construction financing and farm services including crop insurance and agricultural leasing, which can finance metal buildings, tractors, specialized farm equipment, dairy equipment, grain bins, irrigation systems, vehicles, and processing and material handling equipment with terms of two to ten years and up to 100 percent financing. AgSouth serves agriculture and rural communities across 147 counties in Georgia, North Carolina, and GA.

AgSouth Farm Credit is a member-owned cooperative, and its lending is handled by local lenders who work with rural communities and long-term agricultural needs. Members have access to a patronage program that gives back, and the cooperative has returned roughly 70 percent of its 2025 net income as patronage. Members can manage accounts through digital banking, available around the clock on the website and mobile app, to view loan information, check account history, download loan activity statements, make or schedule payments, and get copies of tax documents. AgSouth also runs AGAware Farm Finance Training workshops, free sessions that cover business and financial management skills for farmers, and a Growing Our Communities Grant program open to non-profits and farmers markets.

The office sits on Commerce Way, just off 1st Street. Toombs County Area Technical Institute is about 0.2 miles away, Vidalia Aquatics Park about 0.3 miles, and Vidalia Community Center Park about 0.4 miles. Vidalia Road is roughly half a mile off, and Memorial Health Meadows Hospital is about half a mile away.

AgSouth Farm Credit holds a rating of 4.90 from the customers who have reviewed it.

For farmers, landowners, and rural homeowners around Vidalia, AgSouth Farm Credit pairs local lending with the leasing, crop insurance, and financial training that agricultural operations depend on.