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


Customer Ownership

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

Meet Billy and Chelsea

Grain and Beef Producers
Fontanelle, IA
Customers since 2008

"I chose Farm Credit for my crop insurance because I feel like they're the most knowledgeable professionals in the industry.”

Meet Shanon and Melinda

Beef Producers
McFadden, WY
Customers since 1995

"Our family has been working with Farm Credit for three generations. It was a no-brainer to continue the relationship.”

Meet Don and Scott

Beef Producers
McFadden, WY
Customers since 1998

"Farm Credit was the best thing that ever happened to our operation in terms of our finances.”

Meet Russell

Grain Producer
Brainard, NE
Customers since 2019

"As a mechanic, I always had to be thinking on my feet, and that rolls right into farming because every day can be a challenge.”

Meet Ron and Julie

Specialty Crop and Beef Producers
Albin, WY
Customers since 2007

"I don’t just have a local Farm Credit office I work with; I have a team of people drawing expertise from across the country.”

Meet Wayne

Grain and Pork Producer
Stuart, NE
Customers since 2002

"Farm Credit's rates, terms and flexible payment options were a big reason we chose to work with them.”

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 for 20 years and counting reflects a remarkable financial strength. In fact, the Board of Directors intends to pay a dividend that has historically approximated 1 percent of a customer’s eligible average daily loan balance each year, barring any unforeseen events.

Cash-Back Dividends in Basis Points

2023 Cash-back Dividends Payout Chart

*Cash paid (in millions). Multiplying the eligible average daily loan balance by basis points determines cash paid.


Ag Loans & Leases

Rural 1st® Home Loans


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.