800-950-8563 CONTACT US AG BANKING ONLINE APPLY NOW PRODUCTS & SERVICES OUR LOCATIONS ABOUT US NEWS & EVENTS SEARCH FOR PROPERTY About Us HomeAbout UsPatronage Program Patronage Program When Texas Farm Credit does well financially, borrowers benefit. That's a basic financial reason for doing business with our customer-owned lending cooperative. We keep only the earnings we need for our stability and growth, and return the rest to our members. No other type of lender offers you such an advantage. Cash Dividends Texas Farm Credit is owned by the borrowers who purchase stock in the cooperative. If you're a member-owner, you share in the co-op's success. At the end of each fiscal year, our board of directors decides how much of our earnings must be maintained as capital to keep the co-op strong, and how much may be returned to members in the form of patronage dividends. The more you borrow, the bigger your share of the earnings. Patronage Lowers Borrowing Costs The most important benefit of our patronage program is that it effectively lowers your interest rate. Not only do you receive a competitive rate up front, you also get back some of the interest you've paid when Texas Farm Credit does well. It's a win-win. © 2021 Texas Farm Credit Contact Us Equal Credit Opportunity Lender Equal Housing Lender Privacy Policy

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800-950-8563 CONTACT US AG BANKING ONLINE APPLY NOW PRODUCTS & SERVICES OUR LOCATIONS ABOUT US NEWS & EVENTS SEARCH FOR PROPERTY HomeAbout UsFeatured Borrowers © 2021 Texas Farm Credit Contact Us Equal Credit Opportunity Lender Equal Housing Lender Privacy Policy

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800-950-8563 CONTACT US AG BANKING ONLINE APPLY NOW PRODUCTS & SERVICES OUR LOCATIONS ABOUT US NEWS & EVENTS SEARCH FOR PROPERTY HomeAbout UsBoard of Directors © 2021 Texas Farm Credit Contact Us Equal Credit Opportunity Lender Equal Housing Lender Privacy Policy

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800-950-8563 CONTACT US AG BANKING ONLINE APPLY NOW PRODUCTS & SERVICES OUR LOCATIONS ABOUT US NEWS & EVENTS SEARCH FOR PROPERTY HomeAbout Us © 2021 Texas Farm Credit Contact Us Equal Credit Opportunity Lender Equal Housing Lender Privacy Policy