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Cash-Back Dividends

Watch how our cash-back dividend program works.

The more eligible loan business you have with us, the more you can benefit financially from our program.



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 2015, the Board of Directors approved a $160 million cash-back dividend for 2015. Cash-back dividend checks were mailed to eligible customer-owners in March 2016.

Visit powerofownership.com to learn more about FCSAmerica's 2015 cash-back distribution. The site features interactive technology allowing visitors to review county-level and state-level cash-back dividend amounts.

The Board of Directors also approved a 2016 patronage program. The Board will determine the cash-back dividend for 2016 in December 2016. For specific questions on the 2016 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 $160 million cash-back dividend for 2015 is the 12th in FCSAmerica’s history and brings the total cash distributions since 2004 to $1.15 billion. During this same 12-year period, FCSAmerica’s capital (members’ equity) has grown from $1.5 billion to $4.3 billion and net income has grown from $294 million to $514 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 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.

FCSAmerica Cash-Back Dividends video
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