Patronage Program


As a Farm Credit Services Southwest borrower, you are a member of a cooperative and entitled to share in its financial success. Farm Credit Services Southwest returns profits to customers - the owners - as patronage dividends, significantly reducing total borrowing costs. Farm Credit Services Southwest merged with Farm Credit West on November 1, 2015. Prior to that merger, Farm Credit Services Southwest distributed nearly $51 million of patronage between 2001 and 2015. Since the merger, Farm Credit Services Southwest has distributed about $18.2 million in cash patronage.

At each year end, the Board of Directors evaluates whether to retain Farm Credit Services Southwest’s net income to strengthen our capital position or to distribute a portion of the net income to customers by declaring a qualified/cash patronage dividend.

Farm Credit Services Southwest distributed a record $7.7 million in cash dividends for 2017.

Qualified/cash patronage distributions reduce your effective interest cost and save you money. If you’re borrowing from a lender that doesn’t return a portion of its profits to you, consider doing more of your business with Farm Credit Services Southwest – where you are a stockholder, and you share in the earnings.

For more information on our Patronage program, contact your nearest branch or call your loan officer.

Patronage FAQs

Help us maintain the Patronage Refund Program

A Snapshot of FCSSW's Patronage Refunds Since its Merger With FCW: 

                    2015—$3 million
                    2016—$7.5 million
2017—$7.7 million

Total Since the Merger: $18.2 million!