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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 just 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 $450 million in cash 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 your contributions to AgGeorgia's net earnings in the previous year.  While the amounts vary, over the last five years we’ve averaged an annual patronage distribution of over $14 million, effectively lowering our average member's stated rate by 1.3%.  Not only that, we’ve been consistent—distributing these payments back to members for the last 35 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 Since 2000
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 $8,558,083
2010 $13,014,014 $3,904,204 $9,109,810 $9,109,810
2011 $3,564,146 $806,976 $2,757,170 $2,757,170
2012 $4,680,755 $988,779 $3,691,976 $3,691,976
2013 $8,948,087 $2,684,426 $6,263,661 $6,263,661
2014 $13,467,871 $4,040,361 $9,427,510 $9,427,510
2015 $11,733,287 $3,519,986 $8,123,301 $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  
2019 $13,953,640 $4,186,092 $9,767,548  
2020 $16,378,886 $4,913,666 $11,465,221  
2021 $13,068,082 $13,068,082 -  
2022 $15,294,960 $15,294,960    
TOTAL SINCE 2000 $327,211,653 $117,365,349 $209,756,304 $161,649,096


*Includes numbers from AgGeorgia Farm Credit predecessors

Become a Member

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