Saturday, Sept 6th was the 2nd annual Ag Day at NC State. Ag Day is dedicated to recognizing North Carolina’s agriculture/agribusiness industry and celebrating those who work hard to improve the state’s health and economy. Carolina Farm Credit, along with AgCarolina Farm Credit and Cape Fear Farm Credit, were very proud to be among the sponsors of the event.

Group Picture   agday Wanda, Terry and Christina

Along with helping to sponsor the event, we also turned it in to a Tailgate Party for all 3 Farm Credit Association’s employees and their families, so we could all take part in the celebration and in honoring North Carolina’s number one economic industry. We are Farmer Strong!

IMG_0439    IMG_0276     photo

We all had a great time in the Fan Zone and at our tailgate party and then went on to watch the Wolf Pack beat Old Dominion. You couldn’t ask for a better ending to an awesome day!

IMG_0449    IMG_0276   Terry and Wanda working booth

Congratulations to the 2014 Photo Contest Winners!      By Kerie Hildreth, Marketing Specialist 

Ashley Poole of Roxboro, N.C. won first place in the Carolina Farm Credit 2014 photo contest. Her winning photo is of her son Luke “supervising his granddaddy as he plants this year’s tobacco crop.”


Second place went to Brooke Tatum of Leasburg, N.C.for her photo of a “fall sunset over Dixon Dairy Farm in Leasburg.”

Kelly Sink of High Point, N.C. won third place
 for her photo of her son “checking the greenhouse with Daddy.”

The contest was judged by CFC website visitors who were allowed to vote for their three favorite photos once a day from July 1 – 31. Over 10,000 online votes were received this year.

All three winners will be featured in the 2015 Carolina Farm Credit photo calendar. First place received a cash prize of $300, and the second and third place winners received $200 and $100.

The winning photos along with the photos that were chosen for voting can be seen here on our website.  We will begin accepting submissions online for the 2015 photo contest beginning in January. In the meantime, please email with any questions.


$16,000 in College Scholarships – Back to School Cash! by Maggie Hamm

Meet our 2014-2015 Carolina Farm Credit Scholarship recipients as school gets back in session! Each of these students will receive $2000 for the 2014-2015 academic school year.

Christina Bradshaw is a sophomore at N.C. A&T University majoring in animal science. She is from Sanford, N.C. and is the daughter of Florence Bradshaw and the late Martin A. Jones. She is involved with the Pre-Vet Club, SAES student advocates, and is the RHA Morrow Hall council secretary. After graduation, she plans to attend veterinary school.

Christina Bradshaw

Lakota Maize is a sophomore at N.C. A&T University majoring in early childhood education and family studies. She is the daughter of Garry and Deborah Maize and was born and raised in Greensboro, N.C. She is involved in the Leadership Synergy Program, National Association of Educators, and is Sophomore Class Vice-President for the 2014-2015 school year.

Lakota Maize

Rycal Blount is a junior at N.C. A&T University majoring in animal science. She is a member of the Aggie Chess Club, the Pre-Vet Club, Minorities in Agriculture Natural Resources and Related Sciences (MANNRS), and is a member of the University Honors Program. She is from Greensboro and her parents are Robin Simmons Blount and Roman Blount, III.

Rycal Blount

Nicholas Cobb is a senior at N.C. A&T University majoring in agribusiness and food supply management. He is from Jamestown, N.C. and is the son of Ladonna and Maurice Cobb.

Nicholas Cobb

Christina Harvey is a sophomore at N.C. State University majoring in agricultural business management and horticulture. She is from Haywood County, N.C. where she grew up on her family’s farm. Her parents are Tomas and Carla Harvey of Canton.

Christina Harvey

McKayla Newsome is a sophomore at N.C. State University majoring in animal science. She is from King, N.C. and is the daughter of Brad and Vickie Newsome. She plans to pursue a degree in veterinary medicine, eventually returning to King to work at a veterinary practice, as well as care for the animals on her family’s farm.

McKayla Newsome

Taylor Patterson is a junior at N.C. State University majoring in plant and soil sciences. He is from China Grove, N.C. and is the son of Randall and Nora Patterson. He has worked on his family’s operation, Patterson Farm, Inc., since he was 11 years old. After graduation, he plans to attend graduate school to pursue a master’s degree.

Taylor Patterson

Benjamin Hobson is a senior at N.C. State University majoring in biological engineering with a concentration in agriculture engineering. He is from Boonville, N.C. and is the son of Derrick and Angela Hobson. He is planning to return to his family’s farm after graduation.

Benjamin Hobson

Carolina Farm Credit provides scholarships through the College of Ag and Life Sciences (CALS) at North Carolina State University (NCSU) and the School of Agriculture and Environmental Sciences (SAES) at North Carolina A&T University. If you are interested in applying for a scholarship, please contact the academic affairs office after you have been admitted at either NCSU CALS or N.C. A&T SAES. In order to be considered, students must have a major in CALS at N.C. State University or SAES at N.C. A&T University and must complete a financial aid application.

Best of luck to all students as they return to schools across our region!

The End is Near by Kyle Williamson

It feels like just yesterday I was walking into the Carthage office for the first time to see what my summer had in store for me. Now it is the final week here at Carolina Farm Credit. Looking back over these past couple months, I have learned a lot and met some incredible people this summer.

The past few weeks the interns and I have been finishing up on our projects and have been learning about all the different departments there are at Carolina Farm Credit. I have gone on many farm tours including trips to a tobacco farm, a poultry farm, and a forest track. Each one had something unique about it and was very interesting to go see.

Tobacco Farm Poultry Farm             

Over the past week we have been finishing up with our presentation that we will present this coming Friday August 8th. It’s hard to believe after that we will have completed our internship for this summer. I would like to thank each and every Farm Credit member and wish them the best in their future. I would also like to thank Mr. Chris Goss, Jamie Phillips, and the rest of the appraisal staff as well as the Carthage branch for making me feel welcomed this summer. This is the last blog for the summer from the interns and we all wish you good luck in the future.

Greenhouse Group Photo

Coming to the End by Alex Stott

The summer is quickly coming to an end. It’s so hard to believe that I’ve been a part of the Carolina Farm Credit family for almost two and a half months. My last week here at Carolina Farm Credit will definitely be bitter sweet. I will miss working with my fellow interns, seeing all of the wonderful people here, and spending time in both the Hendersonville and Spindale Branch. Also I have learned so much about credit, gained a great experience, and had the opportunity to work for this company. Overall, this has been an opportunity that I am extremely grateful for.

Over the last week, however, I have been through several trials that I have had to overcome. My younger brother had to have emergency surgery and all in the same day, while I was on my way to the hospital, I was in a car accident and totaled my car. It’s not been pleasant, but I know that God won’t allow me to deal with more than I can handle. By today, the end to this stressful week, prayer has been my only hope for things to work out. My brother’s surgery went well, I’ve found a car that I can afford, and Carolina Farm Credit has been more than gracious to assist me with things going on at work. Miracles do happen on a daily basis.

This last week the interns have had a lot of time to work on our final presentation for next Friday. Thank you to my family and friends here at Carolina Farm Credit who have supported me this summer and helped me out in every way possible. I truly am grateful to have had this opportunity with such a wonderful company. As I move back to Raleigh within the next couple weeks and finish my last year at NC State, I hope that I will again be able to work here at Carolina Farm Credit and become part of this family permanently.


Interns - Alex Stott, Kyle Williamson, Trey Waugh and Keshawn McDaniels

My time at Carolina Farm Credit by Trey Waugh

It is almost the end of my time here at Carolina Farm Credit for the summer and I have been doing a lot in the last few weeks. It has been hectic trying to get things completed before the intern’s final presentation.

We met with several different offices in the few last week and learned a little more about our company. We met with the Home Loan Department on Tuesday and then the Crop Insurance Department the next day. Also on Wednesday, we met a tobacco farmer and visited his farm. He was turning some crops in on insurance because of the dry weather. He explained a lot to us about tobacco farming and I really enjoyed what he had to teach us.

This is my last blog and I have had a great time at Carolina Farm Credit. I have gained so much experience working here and I have to credit that to all the people taking us in like we were family. I would do it all over again if I could and I just want to thank everybody for helping me.

Trey Waugh

Where did the time go?  by Keshawn McDaniels

The pace of my internship has picked up even more from the last time I was wrote my blog. We have had more training, more farm visits, more farmers market visits, more discussions, more rain for the crops and less time to complete our projects. During the last few weeks I have learned so much about the loan process that I never knew before. The longer I stay with Carolina Farm Credit the better I value my money and what I do with my money, so that I can keep my credit score as high as possible.

As I have visited many farmers market, a lot of the farmers seem as if they don’t need to take out any loans right now. It is my job to represent Carolina Farm Credit in a positive manner to let the farmers know that they can come speak to a representative in the future when they may need a loan and need to learn the proper steps to get a loan with CFC.  Once you visit many of the markets you will see plenty of the same faces at different markets, so it is my job to let them know that CFC cares for them and supports their business.  Visiting many of the local farmers markets and talking to different people definitely brings me out of my comfort zone and shyness.

Farmers Market

I have valued speaking and listening to the representatives and farmers within the offices and branches of CFC on their life situations. Many of whom overcame life obstacles to get them where they are now to be successful and they speak of how to help others be on their way to success.

Tobacco Field

I recently visited a tobacco farm for the first time. I remember listening to the stories my family told as a little boy about picking tobacco and how hot it was. I felt their pain, but not really because I wasn’t picking tobacco. Oh boy was it hot. I have really enjoyed getting out of the office the last few weeks and representing CFC.

A Hot and Humid Summer by Kyle Williamson

Time is flying by this summer and I have stayed busy working on projects and getting outside visiting farms for appraisals. The other interns and I are working on two projects this summer that has us interacting with farmers. And I have been on a few trips to farms with Senior Appraiser Jamie Phillips and Principal Appraiser Philip McAuley.


Two farms that I visited stuck out in my mind because they were very large crop operations. The first farm I visited was in Stanley County. It was a very large wheat farm operation that looked in great shape. The other farm was down in Anson County, where they grow corn as far as the eye can see. I always enjoy visiting crop farms and seeing how they are operated, which made these two trips very interesting. While riding to the farm in Anson County I noticed a lot of corn operations that were on very level ground. They reminded me of farms you would see out west where you could look for miles and miles. It was good to see that these farms have been kept up especially with the hot weather and lack of rain this summer.


I am very excited to continue to see what this summer has to offer during my internship. I will start to attend many farmers markets over the next few weeks and am ready to meet new farmers in the area and show them how great Carolina Farm Credit is!


Visiting the Farmers Markets by Alex Stott

This week at Carolina Farm Credit has been slightly different than all of the rest. It has been the first week that I have had the opportunity to dive into my Farmers Market Project. With production rising more and more over the last week or so, the markets have been slowly gaining more vendors as well as customers. In going out to the markets, one of my goals is to gather information for the loan officers in these areas about potential customers to benefit CFC. Although this is an important part of the project, one of my main goals is to represent CFC in a positive way to the local farmers in my area. For local farmers to know that Carolina Farm Credit supports them one hundred percent means everything. Even if they have no financial need at this time, they very well could in the near future, and it is important that we are here to finance that need. CFC’s family atmosphere provides a welcoming environment to the community, and each farmer I meet loves to hear about what I do at Carolina Farm Credit and how we are different.


In visiting markets in Henderson County and Buncombe County this week, I have gotten a couple great prospects for CFC in the future. In particular, one lady I met has no farm needs at this time but it looking for financing on her home. She mentioned that within the next year or so, she’d love to come and talk with us about expanding her farm. Local farmers do not necessarily want to be bombarded during their prime selling time at the markets with a sales pitch, they just want to be able to tell their story and be supported which is exactly what I strive to do.

Another thing I have run into quite frequently at markets is familiar faces. Many vendors will travel around to different markets to sell their products and recognize CFC employees or myself from another location previously in the week. This is a point proven to the farmers and vendors that we are supporting them not just at one location but several. They enjoy speaking with us again and showing us what they have to offer to their customers. We also have seen several of our current customers at markets which also shows that CFC is supporting their community. I have really enjoyed getting out of the office this week and representing Carolina Farm Credit.

Staying Very Busy at Carolina Farm Credit by Trey Waugh

Since the last blog I wrote we have been very busy. I have been working on our projects along with doing other things. One of the biggest things I did in the Wilkesboro office this week was complete a loan package. This was a loan that Dean White made up for me to try and see if I could do it from start to finish. That was including ACE and projecting future income and making adjustments to the balance sheet. I also looked at tax returns and that help me do some projections. Dean gave me a lot of tips that can be hidden to new loan officers and that people usually learn with experience. The hardest part of the loan package is the summary sheet. It needs to be detailed enough to give the person reviewing it an explanation of what you are thinking and you must describe why or why not we should do the loan or not do it.

The interns and I went down to Columbia for our Ag First training and let me just say that it was awesome. I really enjoy the fact of networking with other people and seeing how interns from different places are doing their work. We met up with interns from Ag Carolina and talked to them about their projects as well as ours. The training was great; we had a lot of good take away points. We went over critical thinking problems and were asked what we would do in that situation and I think that is one of the best ways to learn.

This week we went to a large local greenhouse that is one of our members and WOW what an operation. I couldn’t even fathom the amount of work in that place, it was huge. I see that there are similarities in their company and ours. They treat their employees the same way we do. They have a family mindset and treat their employee’s. They even have a research place which is pictured behind us in the picture above. All those plants were in testing. It was a neat experience to see and I would like to go back again.

Greenhouse Group Photo

My projects are going great and I am eager to start going to the farmer’s markets next week to experience the community and talk with local farmers. If I don’t get any potential YBS farmers to sign on with us, I hope to at least leave the market with farmers having a lasting impression that Carolina Farm Credit really does value the farmer and they will always remember that.