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.

profile sheridan thumbnail
Meet Sheridan

Livestock Producer
Leiter, WY
Customers since 2014

"I enjoy ranching because there is always something new to look forward to. It’s a lot of hard work and long hours but you have a new challenge every day.”

Meet Tyler & Lindsey

Grain Producers
Corona, SD
Customers since 2015

"Since we started working with Farm Credit, I feel like we are better informed. They really complement our business and help us make better decisions.”

Meet Eric and Kelli

Grain & Beef Producers
Columbus Junction, IA
Customers since 2001

"Having the tools from FCSAmerica to monitor and manage our operation is key to our farm taking the next step forward.”

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.”

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.”

Meet Greg & Mollie

Grain Producers
Elsie, NE
Customers since 2009

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

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


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.