Beautiful Farm Scene

Cooperative Advantage

Get a Loan. Become an Owner.

Unlike most other lenders, Southern AgCredit was founded specifically to serve the agricultural industry within our territory. Like other farm credit organizations, ours is structured as a borrower-owned lending cooperative – which means that our borrowers receive a share of ownership in our organization. Likewise, our “borrower-shareholders” are entitled to vote on decisions such as director elections.

Annual Patronage Refunds

Near the end of each fiscal year, Southern AgCredit’s board of directors analyzes the financial strength of the cooperative. The board may then vote to retain a certain amount of income to increase the association’s capital – or it can distribute a portion of income to borrowers through a patronage refund.

Since 1995, Southern AgCredit has distributed more than $146 million in patronage refunds to our borrower-shareholders.

The patronage refund that an individual borrower receives depends on several factors including the amount of their loan. Needless to say, yearly patronage refunds could significantly reduce your cost of borrowing money. It’s just another benefit of doing business with Southern AgCredit – and our way of saying thank you to our loyal borrowers.


Contact Southern AgCredit to learn more about becoming a borrower-owner and financing your farm, ranch, or recreational property.

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