The Cooperative Advantage – Top Reasons to Borrow from CFC

At Capital Farm Credit, you are more than just a borrower, you are a member of the CFC Family. Borrowing from a cooperative lender offers several unique benefits that traditional banks don’t provide.

Capital Farm Credit Advantages

1. Patronage Dividends

• Our Association returns a portion of our profits to our borrowers.
• This is called a patronage refund, and it effectively lowers your cost of doing business with us.

2. Lower Effective Interest Rates

• Because of our cooperative returns through our Patronage Program your net interest rate may be lower than advertised.
• Over time, this can save you thousands in interest cost.

3. Trusted Advisor

• We are deeply rooted in rural communities across Texas.
• Our lenders and staff understand agriculture and have a greater knowledge base of local land values than urban banks.

4. Flexible Loan Products

We offer loans tailored to accomplish your goals:

• Loans for raw land, ag use, and rural homesites
• Construction loans for rural dwellings and barndominiums
• Loans with no acreage limits
• Ag-exemption-friendly terms

5. Member Ownership

• When you borrow from Capital Farm Credit, you become a member-owner.
• As a member, you have voting rights and can influence decisions that affect the Association.

6. Long-term Relationship

• At Capital Farm Credit, you are a member of our CFC Family.
• Your success is our success.
• That’s why, together, we’re better.

Interested in learning more about us, visit our About Us section.

Ready to take the first steps towards financing your dream property, view our loan options here!