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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 $422,000,000 in patronage refunds over the past 36 years!

Check out the video to learn about the patronage program in 90 seconds. 

 

Patronage Refund History

 Average
Interest Rate
Average
Interest Rate 
After
Patronage
Basis Points 
Saved
Percent of 
Interest 
Returned as
Patronage
5 Year Average4.99%3.21%1.78%35.52%

Putting Our Profits Back in Members’ Pockets for the Past 36 Years!

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