Did you know being a Farm Credit member lets you share in our profits?

You read that right – since 1988, Farm Credit of Northwest Florida borrowers have received over $96 million in patronage distributions. 

Get answers to the most commonly asked questions about patronage here:

What is a patronage distribution?
How is my share of patronage determined?
What are the different ways patronage can be paid?
Is patronage taxable?
When will I get my first patronage check?
How does patronage benefit me?
How do I qualify to receive patronage?
Are patronage payments guaranteed?
This seems too good to be true -- how can I find out more?

The Farm Credit of Northwest Florida’s Board of Directors is elected by the stockholders of the Association.  The Board is responsible to keep the cooperative operating on a sound financial basis. The amount and timing of patronage distributions, retirements of equities such as stock/participation certification investments and allocated surplus are all at the discretion of the Board.

Ready to Apply?

We've got you covered. Start the application process today to get the loan you need.