cooperatively-speaking


As a cooperative, we are owned and operated by the same farmers, ranchers, agribusinesses and rural homeowners we serve.

Better yet, as a cooperative, our members share in our profits through our Patronage Program, and we've shared hundreds of millions of dollars in recent years.

Learn about our Patronage Program

Capital Farm Credit's board of directors, borrower-elected and borrowers themselves, annually review your co-op's financial health and decide how profits are returned. A portion can be distributed to eligible borrowers as cash in the spring, with the remainder reinvested into the cooperative as allocated equities accounts. The board of directors then returns a portion of those accounts each fall as able.

Our focus on maintaining a fiscally strong and efficient organization — part of the cooperative model of operating in member's best interests — definitely stacks up in your favor.