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 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.”

Meet Clint & Corinne

Grain and Livestock Producers
Long Island, KS
Customers since 2007

"We have been able to improve our operation because our loan officer has always had faith in us.”

Meet Roger & Angelina

Grain & Beef Producers
Alta Vista, KS
Customers since 1978

"We want to be proud of what we’ve done, to create an operation that can support our family. If our kids would like to step into our shoes, we will do everything possible to make it work.”

Meet Kyle

Grain Producer
Havensville, KS
Customers since 2007

"The more I farm, the more I love it. It’s such a learning experience. Frontier Farm Credit looks at opportunities with me and is helping me build a future.”

Meet Phillip & Kristen

Grain & Livestock Producers
Junction City, KS
Customers since 1996

"We want to grow, but as we get bigger, we want to get better. We want to resist the temptation to focus on growth instead of margins. ”

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 17 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

2021 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.