A A A |

Cash-Back Dividends

The Power of Ownership

Farm Credit Services of America is, financially, one of the strongest lenders in agriculture. And because of that financial strength, we are able to offer a patronage program that returns earnings to our customer-owners through cash-back dividends.

No other lender is better at financing agriculture, or giving back to it.

Locally, cash-back dividends benefit the customer-owners we serve, and the 281 counties and even more communities they call home.

More than the results of a "good year," the cash-back dividend represents good business, the effort of every employee working to help our customers grow.

In December 2013, the Board of Directors approved a $145 million cash-back dividend for 2013 – the largest in FCSAmerica’s history. Cash-back dividend checks were mailed to eligible customer-owners in March 2014.

Visit our website,, to learn more about the 2013 cash-back distribution. The site features interactive technology enabling users to review the total cash-back dividend amounts distributed to the counties and states served by Farm Credit Services of America.

The Board of Directors also approved a 2014 patronage program. The Board will determine the cash-back dividend for 2014 in December 2014.For specific questions on the 2014 patronage program and cash-back dividends, view the Customer Q and A.

What you should know about patronage

The Farm Credit Services of America patronage program returns earnings through cash-back dividends, an exclusive financial benefit for eligible customers-owners.

  • We are able to offer cash-back dividends through our patronage program because of the financial strength we have achieved — a strength that can help us weather unexpected changes in the agricultural economy while supporting future growth and sustaining a program that offer cash-back dividends in the years to come.

  • The $145 million cash-back dividend for 2013 is the 10th in FCSAmerica’s history and brings the total cash distributions since 2004 to $830 million. During this same 10-year period, FCSAmerica’s capital (members’ equity) has grown from $1.5 billion to $3.6 billion and net income has grown from $294 million to $515 million.

  • We offer attractive interest rates and the patronage program.

  • Our earnings are either returned in the form of cash-back dividends or retained on our balance sheet to help us continue serving agriculture through all its ups and downs.

  • Cash-back dividend payments are taxable. We encourage recipients to consult with their tax advisors about their specific situations. The non-cash distribution held in the Association’s retained earnings is not taxable unless it is redeemed, which the Board does not intend to do except in the unlikely event of liquidation.

  • The FCSAmerica Board will evaluate a variety of business factors, including earnings, growth and economic conditions to determine the appropriate amount of cash-back dividends each year. The program is expected to distribute cash-back dividends annually, but the amount is not predetermined.

Click here to request more information about our full line of products and services.

Real Estate Financing Works Here.
Omaha, NE (edit)
50° Fair







Partly Cloudy

Partly Cloudy





Few Showers

Few Showers