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Patronage & Member Benefits

We are a cooperative organization dedicated to our customer-owners and rural communities. We remain financially strong and share our success with our customer-owners. Since we started our patronage program in 2006, we have returned nearly $95 million in profits to our customer-owners, with more than $22 million being returned for the 2017 calendar year.

All customer-owner loans that were capitalized in 2017 by stock or participation certificates are eligible for patronage, except in the following circumstances:

  • Loan is in non-accrual status and past due at the end of the year
  • Loan has been partially or fully charged off
  • Loan has a dollar or less of average daily balance

Contact your local office

Voting Rights

As a customer-owner, you have voting rights to elect directors who oversee the cooperative’s operations, hire its management and establish its policies. As a result, stock assures that FCS Financial will stay focused on meeting the needs of the customers who are actively borrowing.

Become a leader

Supporting the future of farming

Over $1.5 million given to local 4-H and FFA organizations

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NMLS #: 761836

Equal Housing Lender