Member Benefits

The Cooperative Principle

The Farm Credit System's mission is to provide sound and dependable credit to American farmers, ranchers, producers or harvesters of aquatic products, their cooperatives, and limited types of farm-related businesses.

The Farm Credit System accomplishes this mission by providing financial services and making capital available to qualified individuals and businesses at competitive rates. Additionally, Farm Credit provides financing for purchasing rural homes, communication, energy and water infrastructures, to support agricultural exports and other eligible entities.

Farm Credit is a nationwide network with more than 85 independent, customer-owned cooperative lending institutions serving all 50 states and Puerto Rico.  

An Historic Mission Of Service

Although U.S. agriculture and rural America have changed in many ways since the Farm Credit System was founded in 1916, Farm Credit has always been there. Today’s farms, ranches and agricultural enterprises are more diverse and specialized than ever. Producers and rural entrepreneurs of all types need access to dedicated, specialized lending services to meet their financial services needs. 

Farm Credit was created to meet that need and continues to proudly pursue its mission of service to agriculture and rural America.  

Patronage Program

It Pays To Do Business With Farm Credit

One of the most important financial benefits of being a Farm Credit member-borrower is having the opportunity to share in the association’s profits.

While most businesses return their profits to outside investors, Farm Credit believes in the importance of cooperative ownership. In other words, our borrowers ARE our investors, and as such, can share in our profits. 

Farm Credit believes it’s important to put our profits in YOUR pockets.

Ask your Farm Credit loan officer about the details of our patronage program and our diverse loan products.

Membership Has Its Rewards

Smart farmers and country homeowners who borrow from Farm Credit could get a visit from a United States President, in the form of money back in their pockets!

We are a cooperative lender, which means that you are an owner and have a say in the way the cooperative is run.

Each year, you have the opportunity to elect a group of your peers to our board of directors. This elected group is comprised of farmers, ranchers, and growers—people who understand what you need from a lender. They guide the association’s activities and policies throughout the year, and make sure that we never forget that our first priority is you, our borrower.

We put our profits back in our borrowers’ pockets. We are committed to serving all of agriculture and are a stable source of credit now and in the future.

Farm Credit Member Discounts

Special savings at several national businesses and service providers. Click here for specific details.