Cash-Back Dividends

Watch how our cash-back dividend program works.

The more eligible loan business you have with us, the more you can benefit financially from our program.

The Power of Ownership

Because Frontier Farm Credit is a financial cooperative, we are able to offer a patronage program that returns earnings to our customer-owners through cash-back dividends.

No other lender is better at financing agriculture, or giving back to it.

Locally, cash-back dividends benefit the customer-owners we serve, and the 41 counties and even more communities they call home.

More than the results of a “good year,” the cash-back dividend represents good business, the effort of every employee working to help our customers grow.

In December 2017, the Board of Directors approved an $11.5 million cash-back dividend for 2017. Cash-back dividend checks will be mailed to eligible customer-owners in March 2018.

Visit to learn more about Frontier Farm Credit’s distribution of $11.5 million in cash-back dividends in March 2018. Review county-level and state-level cash-back dividend amounts with our interactive map.

The Board of Directors also approved a 2018 patronage program. The Board will determine the cash-back dividend for 2017 in December 2018. For specific questions on the 2018 patronage program and cash-back dividends, view the Customer Q and A.

What you should know about patronage

The Frontier Farm Credit patronage program returns earnings through cash-back dividends, an exclusive financial benefit for eligible customers-owners.

  • We are able to offer cash-back dividends through our patronage program because of the financial strength we have achieved — a strength that can help us weather unexpected changes in the agricultural economy while supporting future growth and sustaining a program that offer cash-back dividends in the years to come.
  • The $11.5 million cash-back dividend for 2017 is the 14th in Frontier Farm Credit’s history and brings the total cash distributions since 2004 to more than $80.7 million.
  • We offer attractive interest rates and the patronage program.
  • Our earnings are either returned in the form of cash-back dividends or retained on our balance sheet to help us continue serving agriculture through all its ups and downs.
  • Cash-back dividend payments are taxable. We encourage recipients to consult with their tax advisors about their specific situations.
  • The Frontier Farm Credit Board will evaluate a variety of business factors, including earnings, growth and economic conditions to determine the appropriate amount of cash-back dividends each year. The program is expected to distribute cash-back dividends annually, but the amount is not predetermined.