Financing doesn't have to be complicated.

AgriCard programs focus exclusively on agriculture and helping farmers.  Unlike other credit providers, AgriCard understands farmers and their unique cash flow requirements, so we are able to serve you better.

• credit limits customized to suit the size and scope of your agricultural operation,

• the cash flow flexibility you need, when you need it,

• flexible payment terms, and

• no membership fees or annual fees.
   

	It's what better lending looks like
	Financing Solutions, Flexibility,          and Personal Service

 

What is AgriCard?
What are the benefits of using AgriCard?
How are AgriPoints earned and what are the rewards?
How do I make payments on AgriCard?
How do I apply for AgriCard?
What programs are currently being offered by AgriCard and AgriFinance?

 
What is AgriCard?

AgriCard is an unsecured cash flow source for your farm-related purchases with lending programs engineered to match producers’ business cycles and management needs.  Earn AgriPoints® rewards every time you make a purchase on your AgriCard card.

is offered through Agrifinance, a financial cooperative owned by the Canadian credit union system, serving the Canadian agricultural industry for more than two decades.  Agricultural credit is the only thing that Agrifinance does.  Their specialized equipment leasing and lending products were created for farmers alone. Unlike the competition, Agrifinance has a focused approach which delivers unprecedented levels of simplicity, flexibility and customized solutions, tailored to meet the needs of agricultural producers.

 
What are the Benefits of Using AgriCard?

With AgriCard and Agrifinance you get:

• Competitive Rates - Lowest possible interest rate* available to borrowers.

• Equipment purchase or lease solutions tailored specifically for agricultural producers

• A Repair and Overhaul plan designed to assist you, when your equipment needs repair.

• Flexible Repayment Terms

• Personalized Financing/Leasing Solutions

• Responsive, Knowledgeable Service

• Independent Alternative to Conventional Equipment Financing

• Additional Savings through our Program

• Minimizes the time spent on bookkeeping and tax records with one consolidated statement no matter how many places you use your AgriCard** when you shop.

• Earn AgriPoints® rewards every time you make a purchase on your AgriCard card.  

• Convenient Payment options

 
How are AgriPoints earned and what are the rewards?

You are automatically enrolled in the AgriPoints reward program at time your account is setup.

There is no membership fees!
 

• Every time you use your AgriCard account, you earn AgriPoints.

  • AgriPoints are earned at a rate of one point for every four dollars of new purchases, net credits.

  • You can earn additional points if you choose to finance or lease equipment through Agrifinance.  Four points will be awarded for every $50 of payment received on time by Agrifinance for any regular payment installment.
     

• You can redeem these points for

  • Co-op Gift Certificates which can be used toward products and services at any Co-op in Western Canada.

  • SEARS Gift Cards which can be used for products and services that SEARS offers, i.e. clothing, appliances, furniture, electronics, automotive, travel at any one of over 2200 Retail or Catalogue outlets across Canada.

  • You use these gift cards or certificates like cash when you purchase any product or service.
     

• Choose your own reward – your possibilities are almost endless!

 
How do I make payments on AgriCard?

Four convenient ways to make your payment:

• at any Canadian Financial Institution,

• online or telebanking,

• Pre-authorized payments, or

• by mail.

 

How do I obtain my AgriCard account?

Applying for an AgriCard account is easy.

• Apply at the Country Junction service counter.
• Call AgriCard customer service at 1-800-784-2504.
• Download a form online. 

  This file is in PDF format and requires Adobe Acrobat Reader to be installed on your system. To download the free Adobe program, click here.

  With Adobe Acrobat you are able to complete the application by typing in the information or you can print the document and fill it by hand.  If you choose to do so by hand please print legibly so your application can be processed in a timely manner.

  When you have completed the application you can fax or mail it in to AgriFinance:

*  The interest rate is offered by AgriCard (not the Country Junction or Wetaskiwin Co-operative Association Ltd.)  We are unable to quote an interest rate as this interest rate is determined by Agrifinance and is subject to change.  If you wish to verify the current rate please contact Agrifinance or visit the AgriCard website.

From time to time Agrifinance presents special lending opportunities that offer preferred interest rates, deferred repayment terms, Zero interest and Zero payments, subject to approved credit.

** AgriCard is a division of Canadian Cooperative Agricultural Financial Services (CCAFS) a financial cooperative owned by the Canadian credit union system.

Learn more about AgriCard - visit the AgriFinance / AgriCard Website