We're a cooperative, meaning our borrowers are also owners and share in our profits. Profits are returned through our patronage dividend program. In fact, Capital Farm Credit has returned more than half a billion dollars to borrowers since 2007.

How does it work?

Capital Farm Credit's board of directors — mostly borrower-elected and borrowers themselves — annually review the financial health of the cooperative and decide how profits are returned — whether as cash, or as allocated surplus.

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.

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