Patronage is a key benefit of doing business with Capital Farm Credit. As a cooperative that is owned by our customers, we share our success with our customers. The better we do, the more our customers benefit. That’s the co-op way.

Since 1997, Capital Farm Credit has returned more than $300 million in earnings to customers, thereby lowering their effective interest rate. The patronage we return to our customers is in direct proportion to their transaction with Capital Farm Credit, rather than proportionate to their capital investment in the co-op.

Capital Farm Credit has a long history of paying patronage to our customers, and we are committed to continuing to share our earnings with our customers.