AgCredit Menu Patronage Breadcrumb Home About Patronage Your Biggest Benefit As a borrower-owner of AgCredit, one of the biggest benefits is sharing in the profits of the Association through our patronage program. Patronage reduces your cost of borrowing by returning a portion of our net income to our borrowers based on the proportion of interest paid on their loan and total interest earned by the association. We have returned more than $369,000,000 in patronage refunds over the past 34 years! Check out the video to learn about the patronage program in 90 seconds. Patronage History Chart YEAR AVERAGE INTEREST RATE AVERAGE RATE AFTER PATRONAGE BASIS POINTS SAVED % OF INTEREST RETURNED AS PATRONAGE PATRONAGE REFUND 2020 4.90% 3.03% 1.87% 38.14% $30,642,278 2019 5.53% 3.02% 2.51% 45.41% $40,921,507 2018 5.42% 3.79% 1.63% 30.10% $26,691,405 3-year Average 5.28% 3.28% 2.00% 37.89% $32,751,730 Contact Us FIRST NAME* LAST NAME* STATE* OHIO OTHER COUNTY LIST* ALLEN ASHLAND DELAWARE CRAWFORD ERIE FULTON HANCOCK HARDIN HENRY HURON KNOX LOGAN LORAIN LUCAS MARION MEDINA MERCER MORROW OTTAWA PAULDING PUTNAM RICHLAND SANDUSKY SENECA UNION VAN WERT WOOD WILLIAMS WYANDOT OTHER PHONE EMAIL* DO YOU HAVE FARM INCOME?* YES NO WHAT ARE YOU INTERESTED IN? (CHECK ALL THAT APPLY) Finance Farm Land Operating line of credit Home construction Home equity loan Purchase or refinance a home Residential building site Appraisal services Automobile loan Crop insurance Equipment or machinery loan Leasing services COMMENTS/QUESTIONS AgCredit Social Links Twitter Facebook Instagram 610 W. Lytle St. Fostoria, OH 44830 Mon-Fri, 8:00am-4:30pm Phone: 800-837-3678 Email: info@agcredit.net Footer Navigation Loans Services About Contact Footer Access AccountAccess Careers Newsroom Footer Links Privacy Policy CCPA Terms of Service Whistleblower Information BBB Accredited Business NMLS #460334 © 2021 AgCredit. All rights reserved. Sitemap