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 Dan & Denae

Grain Producers
Phillips, NE
Customers since 2002

"Growth is always nice, but it’s also important to make good use of what you have and implement new practices to improve efficiency.”

Meet Kaleb & Taylor

Grain & Pork Producers
Marshalltown, IA
Customers since 2010

"They want to know how we’re doing, and not just in farming, but in life, too. That makes you feel like a person and that they really value you as a customer.”

Meet Cody & Amy

Grain & Beef Producers
Howard, SD
Customers since 2016

"Our business has improved drastically thanks to the advice Farm Credit brings to our operation.”

Meet Jeff & Cailey

Beef Producers
Burns, WY
Customers since 2015

"Farm Credit stands behind us during hard times. They specialize in agriculture and understand the challenges we face.”

customer profile mark and tina nebraska thumb
Meet Mark & Tina

Grain and Beef Producers
Lincoln, NE
Customers since 1989

"We've got a really good relationship with Farm Credit and the people there. They treat us like family.”

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.”

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 100
2020 Target 100


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.