赞助

与农业信贷合作真的很划算

When you become a member of 弗吉尼亚农业信贷, our success becomes your success. To prove it, we share in our profits through our annual patronage refund program. As profits are returned to you, your cost of borrowing is reduced. While the total patronage refund varies 从 year-to-year, 平均, our customer-owners have enjoyed 26% interest returned through our patronage refund program over the last 15 years (based on 2023 patronage refund distribution). We've returned more than $465 million in cash refunds since 2001. 

The more profitable and healthy our business remains, the more it pays to be a customer-owner. We know that the concept of profit sharing is unusual, so it's natural for you to have questions. Read our answers to the most frequently asked questions. +, calculate your estimated patronage refund using the patronage calculator at the bottom of the page.

赞助常见问题解答

成为农业信贷会员的好处是什么?

One of the most important financial benefits of being a Farm Credit member-borrower is having the opportunity to share in the association's profits.

Most businesses return their profits to their owners, not their customers. 当你从农业信贷贷款, you become an owner of the business and are therefore entitled to share in the profits of the association.

At the end of each fiscal year, Farm Credit determines its total income and expenses. Income remaining after all expenses are deducted (the net income) can then be distributed in accordance with the association's bylaws.

The 董事会 can elect to retain all of the net income to strengthen the association's capital position, 或者分配一部分, 或全部, of the net income to members by declaring a patronage refund.

什么是赞助退款?

A patronage refund is a way of distributing the association's net income to its member-stockholders. A member's refund is based on the proportion of interest earned on his or her loan to the total interest earned by the association. A patronage refund is a way to refund a portion of the interest you paid on your loan.

赞助退款如何使农业信贷借款人受益?

赞助 refunds benefit borrowers by reducing their cost of borrowing. Farm Credit charges competitive rates on its loans/rates comparable to those charged by other lenders for similar loans.

然而, a major difference between Farm Credit and other lenders is that Farm Credit returns its profits to its borrowers. When you receive a patronage refund 从 Farm Credit, your effective cost of borrowing is reduced.

Since Farm Credit distributes refunds based on the amount of interest earned on each member's loan, 你用农业信贷做的生意就越多, 你的潜在赞助退款越大.

我的赞助退款如何发出?

The cash portion of your patronage refund may be issued to you by check or recorded on the association's books in a special account.

当赞助退款的任何部分以现金支付, your 董事会 may elect to set a minimum check amount as a means of controlling expenses. Cash distributions below the minimum check amount are recorded in a special account called patronage payable. 收到退款通知, refunds placed in patronage payable appear under "Not Distributed."

Members may request a check for monies in their patronage payable accounts, 要求将这些金额用于他们的贷款, or leave these distributions "on account" with the association.

Will I receive a tax notification regarding my patronage refund?

是的. 在一月份，农业信贷会寄给你一份IRS表格1099. This form will show the total of all taxable patronage refunds issued to you during the previous year. The portion of the patronage refund paid in qualified allocated surplus will also be reported as taxable income. 此声明也可在网上银行查询.

赞助退款的底线是什么?

The use of patronage refunds makes a significant reduction in your effective interest cost and saves you money. The next time you sit down and write a check to another lending institution, ask yourself a question: "How much of this interest payment will the bank be returning to me?如果你的回答是“没有”," then maybe you should consider doing more of your business where you are a stockholder—Farm Credit. Remember, you own the bank, and you share in the profits.