AgChoice Farm Credit looks a little different than most lenders because we’re a cooperative.

Not only are you a customer, you are an owner who shares in AgChoice’s profits. One way we return those profits to you is through our patronage dividend program, which can reduce your effective cost of borrowing.

Want to know more?

Below, you can watch our 90-second video and calculate your estimated patronage dividend. More detailed information is available on our Frequently Asked Questions page and in our patronage flyer

Calculate what your patronage refund might be.

Results are based on the average return over the last 5 years and the amount of business you do with AgChoice Farm Credit.


Your estimated patronage dividend check would be: ESTIMATED PATRONAGE

Your effective interest rate would be reduced from XXXX to: EFFECTIVE INTEREST RATE

*The above figures are estimates. This is not a guarantee. However, AgChoice has issued patronage checks every year since the Association was formed in 1999, and we have no plans of stopping.

Please note: The following transactions do not qualify for patronage distributions:

  • Leases
  • All consumer purpose loans made whether to farmers or rural home borrowers
  • Related services and insurance sales
  • Loans with unique pricing or risk characteristics that the Association designates, in advance, as not eligible for patronage
  • Loans for which the borrower has expressly waived patronage

All existing consumer loans with an application date prior to 01/03/17 will continue to receive patronage until they are paid in full or refinanced. In some cases, borrowers may have both patronage eligible and non-patronage loans with AgChoice.

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