Patronage Refund Program

Sharing Our Profits with You

Farming isn't for the faint of heart. The days are long, and the work is 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. As such, you'll get to enjoy a share of our profits each year. Since 1988, we've paid out over $483 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 more than 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 34 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.

*Includes numbers from AgGeorgia Farm Credit predecessors