Does Your Bank Pay You? ($90 Million in Cash and Counting!)

We pay you. It’s “Our best kept secret”

Except, it’s not a secret at all. We pay you cash-back dividends as a gratitude for partnering with us. You are just as much a part of Alabama Farm Credit as we are, so we think you deserve a share of our earnings.

If it sounds too good to be true, we promise you it’s not. As a stockholder in our company, you are operating as a co-op member which means that while we are investing with you, you are also investing with us.

When Alabama Farm Credit’s profits increase, so does yours! In 2020, we were able to give back 10.8 million dollars to our co-op members. This is a unique advantage to working with us—how often does your bank pay you?

If you’re ready to get started earning money back with us, read on to learn what our cash-back dividend checks entail and how much you can receive per year.

What Are Farm Credit Dividend Checks?

Alabama Farm Credit Is a cooperative which means we work with you as a stockholder. When you take out a loan with us, you’re also purchasing capital stock which allows our company to grow. When we grow, you grow—it’s very much a partnership.

At the end of the year, our board of directors evaluates how much capital we need to further grow our company and the remainder will go to you as a reward for being a trusted patron.

How you want to spend your reward is up to you! Take a vacation, purchase better equipment—the choice is yours. You also have the option to put that money towards your existing loan if you choose.

We view our co-operative members as part of the Alabama Farm Credit family and our goal is to keep rewarding our valuable partners for their continued business with us.

How Are the Dividends Determined?

How much you earn back in dividends will be based off the percentage you owe on your loan. The more you borrow from us, the more you can receive in dividends at the end of the year!

What Loans Do We Offer?

If you’re interested in earning rewards for taking out a loan with us, here are the loan options we have available for you!

Earn Money with Us!

We know how important your work is and from time-to-time, you will need extra cash to keep investing in your business. We’re here to help you with that.

By partnering with Alabama Farm Credit, you’re taking control of your financial options and earning annual rewards as a thank you from us.

< Older Post

Newer Post >

Together We Grow Foundation Awards 11 Scholarships to North Alabama Students

May 20, 2026

The Together We Grow Foundation is proud to announce the awarding of 11 scholarships totaling $27,500 to students pursuing education and careers in agriculture and related fields across North Alabama, reinforcing the Foundation’s commitment to investing in the future of Alabama’s agricultural community. The Together We Grow Foundation was born from a group of young farmers who recognized a growing need for college scholarships to support students entering Alabama’s agricultural sector. What began as a shared concern has grown into a nonprofit dedicated to cultivating opportunity, leadership, and long term success for students across the state. This year’s awards include 10 Young Roots Scholarships and one Cultivating Leaders Scholarship. The Young Roots Scholarship is designed for graduating high school seniors, and the Cultivating Leaders Scholarship supports students graduating from a two year college who plan to pursue a four year degree. Scholarship recipients are selected based on academic achievement and active involvement in their schools and communities. 2026 Scholarship Recipients • Ella Barkley, DeKalb County — Plans to attend Auburn University and major in Animal Science • Kylie Calvert, Cullman County – Plans to attend Auburn University and major in Animal Science • Kiley Cochran, Jefferson County — Cultivating Leaders Scholarship recipient; attends Wallace State Community College and will major in Communications • River Cox, Calhoun County — Plans to attend the University of West Alabama and major in Forestry Technology • Jayden Friedrich, Cullman County — Plans to attend the University of South Alabama and major in Radiology, with a minor in Agricultural Sciences • Jackson Haynes, Cullman County — Plans to attend Auburn University and major in Biological and Agricultural Technology Management • Blaine McDuffa, Franklin County — Plans to attend Auburn University and major in Animal Science • Elijah Miller, Colbert County — Plans to attend Northwest Shoals Community College and major in Industrial Systems Technology • Addison Norwood, Limestone County — Plans to attend the University of Mississippi and major in Legal Studies • Gracie Stidham, Cullman County – Plans to attend the University of Alabama at Birmingham and major in Nursing • Melanie Studdard, Cherokee County — Plans to attend Auburn University and major in Mechanical Engineering The Together We Grow Foundation receives proceeds from Alabama Farm Credit’s Ag Night at the Rocket City Trash Pandas, with VIP ticket sales directly benefiting Together We Grow scholarships. VIP tickets are on sale now for Ag Night, set for June 19 at the Rocket City Trash Pandas stadium. The Foundation primarily raises scholarship funds through community supported events, including Agri Shoot at Selwood Farms, an annual sporting clays fundraiser held each fall, which will take place on September 18 at Selwood Farms this year. Through the support of Alabama Farm Credit and community partners, the Together We Grow Foundation continues to strengthen the future of agriculture by investing in students who demonstrate both academic excellence and a commitment to serving their communities. For more information about the Together We Grow Foundation, VIP ticket sales, or upcoming events, visit thetwgfoundation.com.

Loyd Rutherford Named 2026 Academy of Honor Recipient, Scholarship Established at Auburn University

May 17, 2026

Alabama Farm Credit (AFC) proudly recognizes former board chairman Loyd Rutherford as a 2026 inductee into the Farm Credit Bank of Texas Academy of Honor, the Bank’s highest distinction for leadership and service in agricultural credit. Established in 1968, the Academy of Honor in Agricultural Credit recognizes individuals who have made valuable and significant contributions to agriculture, rural communities and the Farm Credit System. Each year, one deserving individual is inducted into the Academy of Honor, and a one-time $25,000 scholarship bearing the inductee’s name is awarded through a college or university of their choice. Mr. Rutherford has chosen Auburn University as the recipient of the Loyd Rutherford Academy of Honor Scholarship, which will support five students with $5,000 scholarships to further their education and careers in agriculture. A lifelong agricultural producer and business leader, Rutherford was raised on a farm and spent much of his life farming cotton, soybeans, wheat and broilers, while also managing the Lawrence County Exchange, the local farmers’ cooperative known at the time by that name. His deep agricultural roots shaped a career defined by service, leadership and a commitment to rural communities. Rutherford dedicated nearly 30 years to advancing agriculture through his leadership within the Farm Credit System. He served on the AFC board of directors from 1990 to 2019, including more than two decades as chairman from 1995 to 2017. During that time, he helped guide the association through the farm crisis of the early 1990s, significant structural transitions, and decades of sustained growth. He consistently championed stockholder interests and long-term stability while also serving on numerous district and national Farm Credit boards and committees. Rutherford was formally recognized as a 2026 Academy of Honor inductee at the Farm Credit Bank of Texas Annual Meeting, where his steady leadership, hands-on involvement in agriculture and lasting impact on rural communities were celebrated. Throughout his career, he was supported by his wife, Janice Rutherford, whose encouragement and partnership were integral to his lifelong dedication to agriculture and service. The scholarship established in Rutherford’s name reflects both his legacy and the Farm Credit System’s continued investment in the next generation. The funds will be awarded through Auburn University to students pursuing agriculture-related fields of study, helping recipients continue their education and build careers that strengthen rural America.