Do voting stock/participation certificates earn dividents or patronage refunds?
Yes, owning stock or participation certificates may make you eligible to receive patronage refunds or dividends. Patronage refunds are based on the amount of business you have done with the association, and dividends are based on the number of shares of voting stock or participation certificates you hold. Declarations of patronage and dividends are made at the sole discretion of the board of directors upon review of the association's financial performance.