Member Benefits

Farm Credit is a financial cooperative, which means that you become a member and a stockholder when you obtain a loan from us. As an owner in the association you enjoy many advantages that aren’t found in typical lending institutions.

Members have a voice

Through an annual election process, stockholders select fellow members to serve on the Board of Directors.  Directors guide business decisions for the association.

Members share in the profits

As stockholders, our members also share in the association's profits when we have a profitable year.  We call it PATRONAGE CASH!  More than $78 MILLION has gone back into our members' hands since 1997.  While we can't promise patronage every year, we're very proud of our 17-year consecutive history of sharing profits with members!


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