Year after year, we have returned a portion of our income to our members through a cash dividend.
This refund reduces your effective cost of borrowing, and is one of the distinct financial benefits in doing business the cooperative way.
Watch our patronage video! It explains how everything works in only 90 seconds.
At the end of each fiscal year, our Board of Directors looks at Carolina Farm Credit's financial standing and chooses whether to retain our net income to strengthen our Association or distribute money back to our members. We have returned patronage dividends every year for more than 29 years.
Our patronage chart shows how much we've given back in refunds since 1988.
Learn more about how we return money back to you. Read our patronage FAQ.