Our offices will be closed to the public through 4/30 due to the COVID-19 situation. We will, however, continue to fully operate. Please contact us by phone or email with any questions. Payments can be made through Ag Banking Online or by placing payments in the branch mail drop. Read More on our COVID-19 webpage

Sunset over rural Alabama timberland Sunset over rural Alabama timberland

Patronage

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 FAQ 

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.

The Cooperative Advantage

When you borrow from Alabama Ag Credit, you become a stockholder and part owner in the cooperative, entitling you to a portion of the earnings when the association does well financially. The more you borrow, the bigger your share of earnings.

Every year, our board of directors decides how much of the cooperative's earnings to maintain as capital for stability and growth. We return the rest to members through our patronage program.

The most important benefit of our patronage program is that it effectively lowers your borrowing costs. You not only receive a competitive interest rate up front, but could also get back some of the interest you’ve paid on your loan.

No other type of lender offers you such an advantage.

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.

The Cooperative Advantage

When you borrow from Alabama Ag Credit, you become a stockholder and part owner in the cooperative, entitling you to a portion of the earnings when the association does well financially. The more you borrow, the bigger your share of earnings.

Every year, our board of directors decides how much of the cooperative's earnings to maintain as capital for stability and growth. We return the rest to members through our patronage program.

The most important benefit of our patronage program is that it effectively lowers your borrowing costs. You not only receive a competitive interest rate up front, but could also get back some of the interest you’ve paid on your loan.

No other type of lender offers you such an advantage.