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Patronage Refund Program

Sharing Our Profits with You

Your industry isn't for the faint of heart. The days can be long, and the work can be difficult. Still, you wouldn't trade it for the world. AgGeorgia recognizes this—that's why we stand by our member-borrowers, paying tribute to their passion and dedication through our Patronage Refund Program.

When you become a part of AgGeorgia, you're not a customer—you're an owner. And as such, you'll get to enjoy a share of our profits each year. Since 1988, we've paid out well over $364 million to our members.* Read on or try our patronage refund calculator to see how you'll benefit from our Patronage Refund Program.

How You'll Benefit

Here's the bottom line: if AgGeorgia's capital position and earnings are strong enough, you're going to receive a portion of our profits. Period.

Our Board of Directors—a governing body comprised of agriculture professionals and rural landowners that are democratically elected by you and your peers—make this determination about our capital position. After examining our earnings and approving a patronage refund, you'll receive a check based on a percentage of the interest that you paid in the previous year.  While the amounts vary, over the last decade we’ve averaged an annual return of 20% of our members’ accrued interest, effectively lowering their rates by over 1%.  Not only that, we’ve been consistent-distributing these payments back to members for the last 31 consecutive years.

There are no rules or requirements dictating how you can or cannot use this money. It's yours to do with as you wish!

Patronage Distribution History

Our patronage chart shows the numbers for recent years.

Fiscal Year Patronage Distribution Portion Distributed as Cash Portion Distributed as Surplus Surplus (Cash) Revolved to Date
2000 $20,779,291 $6,236,658 $14,542,633 $14,542,633
2001 $20,881,627 $6,270,228 $14,611,399 $14,611,399
2002 $15,020,566 $4,506,170 $10,514,396 $10,510,492
2003 $16,397,864 $4,923,436 $11,474,428 $11,474,428
2004 $14,076,279 $4,227,412 $9,848,867 $9,848,867
2005 $16,261,312 $4,882,855 $11,378,457 $11,378,457
2006 $21,837,794 $6,555,295 $15,282,499 $15,282,499
2007 $20,229,516 $6,068,656 $14,160,860 $14,160,860
2008 $17,011,357 $5,103,407 $11,907,950 $11,907,950
2009 $12,225,832 $3,667,749 $8,558,083  
2010 $13,014,014 $3,904,204 $9,109,810  
2011 $3,564,146 $806,976 $2,757,170  
2012 $4,680,755 $988,779 $3,691,976  
2013 $8,948,087 $2,684,426 $6,263,661  
2014 $13,467,871 $4,040,361 $9,427,510  
2015 $11,733,287 $3,519,986 $8,123,301  
2016 $11,184,179 $3,355,259 $7,828,920  
2017 $13,630,305 $4,089,091 $9,541,214  
2018 $13,572,002 $4,071,601 $9,500,401  
TOTAL SINCE 2000 $268,516,084 $79,902,549 $188,523,535 $113,717,585


*Includes numbers from AgGeorgia Farm Credit predecessors

Become a Member

Take advantage of our Patronage Refund Program—reach out to an AgGeorgia loan specialist today to become a member.