High Plains Farm Credit has implemented a patronage refund program. As a financial cooperative, the money they make contributes to their financial strength helps finance customer growth, supports customers in challenging times and helps grow future generations in agriculture. What’s left is returned as cash patronage refunds that benefit their customers and the communities they call home. 

Borrowing money from High Plains Farm Credit and owning stock makes customers eligible to receive patronage refunds. Patronage refunds are based on the amount of business the customer has done with High Plains Farm Credit. Patronage declarations are made at the sole discretion of the Board of Directors upon review of the Association’s financial performance. In 2018 the Board of Directors declared a record $9.4 million of patronage to be returned to our stockholders. This record dividend lowers stockholders’ cost of borrowing by approximately 0.85 percent.