Talk to a Farm Credit loan officer and you'll find that our interest rates are the most competitive in the market. In fact, our average variable rate is below "prime"—which is the lowest rate offered at more than 75 percent of the nation's 30 largest banks!

In addition, our patronage program makes us even more competitive. Over the past eleven years, our member-borrowers received more $51.9 million in patronage refunds. In fact, our 2006 patronage refund reduced the average interest rate by nearly one percent!

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