We're a cooperative, meaning our borrowers are also owners and share in our profits. A portion of profits are returned through our patronage dividend program, with benefits that include:

  • A return of your share of the earnings
  • Reduction of your borrowing cost
  • Allocated equities recorded in your name for future disbursement consideration

How does it work?

Capital Farm Credit's board of directors annually review the financial health of the cooperative and decide how profits are returned — whether as cash, or as allocated equity.

A portion is distributed to eligible borrowers as cash in the spring. The remainder is reinvested back into the cooperative in what we call allocated equities accounts. As conditions allow, our board of directors will elect to return a portion of these accounts each year, usually in the fall.

How much can you receive?

Your share of the cooperative return is based on your contributions to the earnings of the association. Since 2006, Capital Farm Credit's combined cash returned and allocated equities for members, through our patronage dividend program, is more than $1.75 billion.

Want to learn more?

Contact Us