Jackson Purchase ACA is part of the nationwide Farm Credit System, providing financing for agriculture and rural living since 1917. We serve western Kentucky with eight branch offices conveniently located to serve you.

We have more than $250 million in loans outstanding to more than 2,000 members and we are controlled by a group of local directors who are also farmers.

Our primary function is to provide agricultural loans, including:

• Long-term farm and country home loans
  
• Intermediate-term loans for buildings, machinery and other equipment
  
• Intermediate-term loans for land, construction, livestock and improvements
• Short-term production loans for both full-time and part-time farmers
• Loans for ag-related businesses
  

Unlike commercial banks, our cooperative structure means that a portion of the profits generated from our lending activity is returned to our borrowers in the form of patronage refunds. These patronage refunds are based on the proportion of interest earned on an individual loan. This significantly reduces the cost of borrowing for our customers, and patronage refunds are split between a direct cash payment and an allocated surplus account in the member's name.

As a complete financial institution for the agricultural field, we also provide a full range of other financial services for our customers, including:

• Secondary market financing for homeowners
• Multi-peril and crop hail insurance
• Appraisal services
• Truck and equipment leasing
• Credit life insurance
• Term life insurance
  

The team at Jackson Purchase ACA are financial professionals with the experience and knowledge to provide the help you need when you need it. And we know agriculture and country living. We’re federally chartered, but locally operated by people you know and trust.

Our combination of competitive rates, personal service and extensive local knowledge is unmatched in the financial world. Just contact us and see what we can do for you.