Skip to main content

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.