As a mission-driven financial
cooperative, we are owned and
governed by our customers. Explore
what makes our cooperative unique.


Customer Ownership

Our customer-owners have a voice in guiding our business. Explore profiles of farmers and ranchers who make up the Association.

Meet Jeff and Abigail

Grain & Beef Producers
Hiawatha, KS
Customers since 2018

"In today’s farming business, you’ve really got to pay attention to your break-evens. My financial officer at Farm Credit helps me stay on top of that.”

Meet Doug and Lara

Grain Producers
Scranton, KS
Customers since 2010

"They see the vision of our operation and the growth that we want to continue to have over the next 20 or 30 years.”

Meet Brian and Kara

Grain & Beef Producers
Leavenworth, KS
Customers since 2017

"Farm Credit puts tools in our toolbox so we can continue to be successful down the road.”

Meet Barb and Joe

Beef Producers
Wamego, KS
Customers since 2019

"For the first time in our career, we are the 100% controllers of our own destiny. We couldn’t have done it without Frontier Farm Credit.”

Meet Andy & Kandy

Grain Producers
Marysville, KS
Customers since 2016

"In farming you have to have a lot of faith and try your best to make educated decisions in a very competitive industry.”

Meet Matt

Grain & Livestock Producer
Valley Falls, KS
Customers since 2017

"They are familiar with the challenges beginning farmers face and understand where you’re coming from when you come to them with questions or concerns.”

Cash-Back Dividends

We offer a patronage program that returns earnings to eligible customer-owners through cash-back dividends. Each year, our customer-elected Board of Directors determines the amount distributed.

Our ability to consistently pay a cash-back dividend for 20 years and counting reflects a remarkable financial strength. In fact, the Board of Directors intends to pay a dividend that has historically approximated 1 percent of a customer’s eligible average daily loan balance each year, barring any unforeseen events.

Cash-Back Dividends in Basis Points

2023 Cash-back Dividends Payout Chart

*Cash paid (in millions). Multiplying the eligible average daily loan balance by basis points determines cash paid.


Ag Loans & Leases

Rural 1st® Home Loans


Digital Tools

Ready to Talk?

Contact us if you have questions or need more information. Fill out the form, or connect with your local office using the Office Locator.

Frontier Farm Credit serves farmers, ranchers, agribusinesses and rural residents in eastern Kansas. For inquiries outside this geography, use the Farm Credit Association Locator  to contact your local office.