Build Your Life in the Country

Grow the family farm, invest in a getaway, or find your home in the country. Life's better out here.

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Borrow Local

When you work with us, you're working with local folks who are plugged into farm life, rural markets, and your community. Not only are we based here, but your loans are serviced here. 

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Patronage Calculator

We put our profits in your pockets.®

When you borrow with us, you become an owner who shares our profits. Our patronage program is one way we share those profits with you. Calculate how much you could save.

How patronage works

Here is your estimated Patronage Distribution: ESTIMATED PATRONAGE

After receipt of your distribution, patronage effectively lowers your total interest cost for the first year of your loan from $XXXXX to: EFFECTIVE INTEREST EXPENSE

This effectively lowers your interest rate from XXXX to: EFFECTIVE INTEREST RATE

*Results based on 10-year average refund totals. Past performance not a guarantee of future payouts. Calculations do not account for time value of money or distinguish between returns made in cash and in allocated surplus. Talk to a loan officer for details.

"I was extremely satisfied with ArborOne. The company made me feel like family and helped me achieve one of my life dreams of owning land."

M. Strickland

News & Events

Rebecca Farms: Filling a Niche

When Rose Lewis gave her husband, Jay, a mushroom growing kit for his birthday, she had no idea she would be influencing their future. But it did. They decided to move and begin farming oyster mushrooms.

Lawson Farms: Tradition and Innovation

The Lawsons have been farming in Darlington County for six generations. Lawson Farms was started in 1834 with 333 acres in the Oates Community of Darlington County. In the 175 years since that beginning, the farm has grown to more than 2,400 acres. The family has adjusted to changing times and has diversified wisely.
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Meet Our Relationship Managers

Ready to explore your loan options? Our relationship managers are based in our 12-county region, and they're ready to help you get started.

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