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Patronage Calculator
Calculate your potential patronage refund based on our average distribution and the amount of your loan.
Here is your estimated Patronage Distribution: ESTIMATED PATRONAGE
After receipt of your distribution, patronage effectively lowers your total interest cost for the first year of your loan from $XXXXX to: EFFECTIVE INTEREST EXPENSE
This effectively lowers your interest rate from XXXX to: EFFECTIVE INTEREST RATE
*Results based on the lower of projections or 5-year average refund totals. Past performance not a guarantee of future payouts. Calculations do not account for time value of money or the effect of patronage refunds beyond the first year of the loan. Talk to a Relationship Manager for details.