Cash Patronage Distribution

American AgCredit achieved strong financial results in 2025 despite our cooperative and customer-owners managing through a difficult economic environment. Notwithstanding these challenges, we will continue to distribute a substantial portion of our earnings to our customers as a result of 2025 performance and total American AgCredit patronage will exceed $200 million. This strong financial position allows us to offer a competitive up-front cost of capital, as well as the cooperative benefit of patronage above and beyond the competitive market priced capital.

Distribution

Cash patronage is distributed to customer-owners via ACH direct deposit to an external account of the primary borrower’s choice. The payment is delivered the spring of the following year. For example, patronage for 2025 is based on average loan balance in 2025 and paid in the spring of 2026.

How it’s Calculated

The cash patronage distribution is based upon the average daily balance of your loan(s).

Are Cash Patronage Distributions Taxable?

Yes. Cash patronage distributions are taxable as earnings and we’ll send you an IRS Form 1099-PATR for each year patronage is paid. Consult your tax advisor about your specific situation.

What if I haven’t signed up for direct deposit?

To receive your patronage payment, you’ll need to sign up for direct deposit. To sign up, click here

Minimum Patronage Payment Threshold Update

American AgCredit has updated its minimum patronage payment threshold to $500. This change reflects the rising fixed costs of delivering credit and ensures the patronage program remains fair, sustainable, and aligned with our commitment to competitive upfront pricing.

Cash Patronage Distribution

Distribution

Click HERE to enroll in patronage direct deposit.

How it’s Calculated

Are Cash Patronage Distributions Taxable?

What if I haven’t signed up for direct deposit?

Minimum Patronage Payment Threshold Update

Scheduled Maintenance