THE COOPERATIVE ADVANTAGE

As a cooperative, Alabama Ag Credit supports the cooperative principles of sharing our success with our borrower-stockholders. When Alabama Ag Credit does well financially, you benefit. That's the basic philosophy behind the patronage refund program.

Every year, after the board of directors decides how much of the association's earnings need to be maintained as capital to fund the association's growth, we are able to return the remainder as a patronage refund to you.

We pass our earnings along to customers in the form of patronage. Every borrower is also a stockholder who receives a part of the association's profits. The more you borrow, the bigger your share of earnings.

The most important benefit of our patronage program is that it lowers your effective interest rate. You not only receive a competitive rate up front, but you could receive a patronage dividend in years when the association does well.

Our commitment to sharing our profits with you comes from our cooperative structure. No other type of lender offers you such an advantage.