Cooperative
Model

As a mission-driven financial
cooperative, we are owned and
governed by our customers. Explore
what makes our cooperative unique.

Videos

Customer Ownership

Our customer-owners have a voice in guiding our business. Explore profiles of farmers and ranchers who make up the Association.

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Meet Marty & Tina

Livestock Producers
Rozet, WY
Customers since 2001

"Every season brings something different. We don’t work on a calendar year but we’re always working as a family. ”

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Meet Steve & Julie

Grain & Beef Producers
Murray, IA
Customers since 2003

"We felt that FCSAmerica would be the right fit for us, and it has sure proven to be true.”

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Meet Greg & Mollie

Grain Producers
Elsie, NE
Customers since 2009

"There is nothing better than the people and services Farm Credit offers.”

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Meet Justin & Kendra

Grain & Beef Producers
Madison, SD
Customers since 2012

"Farm Credit has helped improve my business because they’ve given me tools to help me succeed.”

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Meet Jens & Erica

Grain & Pork Producers
Milford, IA
Customers since 2005

"I’ve made a transition from focusing on production to asking the harder questions on the business side thanks to Farm Credit.”

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Meet John and Melanie

Grain & Livestock Producers
Fairview, SD
Customers since 1991

"In our operation the cattle come first, crops are second but above all is my family.”

Cash-Back Dividends


We offer a patronage program that returns earnings to eligible customer-owners through cash-back dividends. Each year, our customer-elected Board of Directors determines the amount distributed.

Our ability to consistently pay a cash-back dividend reflects a remarkable financial strength. In fact, the Board of Directors intends to pay a cash-back dividend equal to 1% of a customer’s eligible average daily loan balance for the 2019 fiscal year and beyond – the largest payout since the program began.

Cash-Back Dividends in Basis Points

Cash-Back Dividends in Basis Points
Year Millions
2016 69
2017 82
2018 90
2019 100
2020 Target 100

PRODUCTS & SERVICES

Ag Loans & Leases

Rural 1st® Home Loans

Insurance

Digital Tools

Ready to Talk?

Contact us if you have questions or need more information. Fill out the form, or connect with your local office using the Office Locator.

FCSAmerica serves farmers, ranchers, agribusinesses and rural residents in Iowa, Nebraska, South Dakota and Wyoming. For inquiries outside this geography, use the Farm Credit Association Locator  to contact your local office.