Patronage That Pays



Cooperative Returns Program

We're a cooperative, meaning our borrowers are also owners and share in our profits. A portion of profits are returned through our cooperative returns 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


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Patronage Calculator


* Calculations based on as if the loan was made January 1, 2022.

The Association has consistently made capital distributions in each of the last several years. However, past distributions should not be construed as potential future distributions. Each year, the Association's board of directors will make a decision regarding capital distributions after evaluating the Association's total capital and overall financial condition.

Information provided above is for informational purposes only. Actual patronage dividends may vary.




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