At Alabama Ag Credit, our success depends on you. One way we show our appreciation is by sharing our success through our patronage program.
Our commitment to sharing our earnings with borrowers is rooted in our structure as a customer-owned cooperative.
A Proud History of Patronage
Since 2006, Alabama Ag Credit has returned over $146 million in patronage to our borrower-stockholders. That’s money back in your pocket—just for doing business with us. Here’s a look at the patronage distributions over the past ten years:
| Year Distributed: | Amount: | Lowered Borrowing Cost by: |
| 2025 | $12,342,672 | ~0.92% |
| 2024 | $12,125,304 | ~0.93% |
| 2023 | $13,088,632 | ~1.00% |
| 2022 | $12,132,310 | ~1.00% |
| 2021 | $11,201,017 | ~1.00% |
| 2020 | $9,797,396 | ~0.95% |
| 2019 | $9,129,666 | ~0.95% |
| 2018 | $8,493,566 | ~0.94% |
| 2017 | $7,800,000 | ~0.92% |
| 2016 | $7,400,000 | ~0.92% |
The Cooperative Advantage
When you borrow from Alabama Ag Credit, you become a stockholder and part-owner in the cooperative. That means you’re entitled to a portion of the earnings when the association performs well financially. The more you borrow, the bigger your share of those earnings.
Each year, our board of directors carefully decides how much of the cooperative's earnings to retain for long-term stability and growth, and how much to return to our members.
The most important benefit of our patronage program? It effectively lowers your cost of borrowing. You receive a competitive interest rate up front—and may get back a portion of the interest you’ve already paid on your loan.
No other type of lender offers you an advantage like this.