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Patronage

Your Biggest Benefit

As a borrower-owner of AgCredit, one of the biggest benefits is sharing in the profits of the Association through our patronage program. Patronage reduces your cost of borrowing by returning a portion of our net income to our borrowers based on the proportion of interest paid on their loan and total interest earned by the association. We have returned more than $444,000,000 in patronage refunds over the past 37 years!

 

Patronage Refund History

 Average
Interest Rate
Average
Interest Rate 
After
Patronage
Basis Points 
Saved
Percent of 
Interest 
Returned as
Patronage
5 Year Average4.99%3.31%1.67%33.59%

 

Putting Our Profits Back in Members' Pockets for 37 consecutive years!
Check out the video to learn about the patronage program in 90 seconds.

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