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 Zach and Grace

Grain and Livestock Producers
Grinnell, IA
Customers since 2015

"You’re not going to find loan officers or a team who knows more about agriculture than you are with Farm Credit.”

Meet Ted and Rachelle

Grain and Livestock Producers
Greeley, NE
Customers since 2015

"Farm Credit set us up with a low interest rate and payments that we could afford.”

Meet Colin

Livestock Producer
Kemmerer, WY
Customers since 2013

"I enjoy having the opportunity to care for livestock, and in return, raise a product that feeds the rest of the world.”

Meet Ty

Livestock Producer
Kemmerer, WY
Customers since 2013

"Farm Credit is a great resource. Even when I have questions that are not lender-related they help me do the research to find the information I’m looking for.”

Meet Sue

Livestock Producer
Kemmerer, WY
Customers since 2007

"We never would have had the success we’ve had without Farm Credit.”

Meet Krystl and Cody

Grain and Livestock Producers
Nehawka, NE
Customers since 2018

"Our loan officer really takes an interest in our goals and is invested in our operation as much as we are.”

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 17 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

2021 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.