Horizon Farm Credit is a member-owned financial institution and part of the nationwide Farm Credit System, providing financing and financial services to farmers, ranchers, and rural business owners across the Mid-Atlantic. It is headquartered in Mechanicsburg, Pennsylvania, and serves customers in five states: Delaware, Maryland, Pennsylvania, Virginia and West Virginia. Its lenders bring over a century of combined experience in agricultural lending.
The institution's product range covers agriculture loans, land loans, home loans for rural properties, and agricultural leases for equipment and operations. Specialised programmes include beginning farmer loans for those at early stages of growth, crop insurance, risk management services, farm appraisal services and accounting support for agricultural customers.
As a customer-owned cooperative, Horizon Farm Credit returns profits to its customer-owners through a patronage programme, which can reduce effective interest rates by approximately one percent. The organisation states a focus on supporting the agricultural community through every stage of growth, on specialist agricultural expertise, and on the sustainability and prosperity of rural America.
