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 James & Billie

Livestock Producers
Crawford, NE
Customers since 2010

"FCSAmerica understands our business so well. All I have to do is make a phone call and I know we are going to be in good shape.”

Meet Jake & Vicki

Livestock Producers
Crawford, NE
Customers since 2010

"Marketing is a huge challenge. FCSAmerica gives us the flexibility to make decisions and manage market swings as best as we can.”

Meet Lou & Shelby

Sheep & Cattle Ranchers
Rock Springs, WY
Customers since 1997

"As a member of a cooperative, I've had so many opportunities to learn, share what I've learned, and grow our business.”

Meet Brad & Peggy

Grain & Livestock Producers
Mitchell, SD
Customers since 1982

"We’ve worked with FCSAmerica ever since we started farming and it has been a tremendous relationship.”

Meet Peter & Sue

Sheep & Cattle Ranchers
Boulder, WY
Customers since 1958

"FCSAmerica has kept us in business through the good and the bad. We appreciate the consistency and continuity of the service we get.”

Meet Matt & Jenny

Beef Producers
Brewster, NE
Customers since 2007

"We wouldn't be where we are today without Farm Credit. We’re more efficient now that we have a team of experts we can depend on.”

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 0.90% of a customer’s eligible average daily loan balance for the 2018 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 Target 90
2020 Target 90


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.