River Valley AgCredit is part of the nationwide Farm Credit System, providing financing for agriculture and rural living since 1916. We are a federally-chartered, locally operated agriculture credit cooperative serving western Kentucky and eastern Tennessee. We're unlike commercial banks because our cooperative structure allows us to return a portion of our profits to our borrowers in the form of patronage refunds. Our loan officers' primary function is to provide agricultural loans for local farming operations. Our combination of competitive rates, personal service, and extensive local knowledge is unmatched in the financial world. Come by our credit union in Cleveland to learn more about our loans, leases, mortgages, & insurance.