Frequently Asked Questions

Answers to the most commonly asked questions about Alabama Farm Credit are below. If you have questions not covered in our FAQs, please contact us.

The Organization

Our success is your success and, as such, we will always have your best interests in mind.

Do voting stock/participation certificates earn dividends or patronage refunds?

Feb 19, 2021, 15:16 PM
Question : Do voting stock/participation certificates earn dividends or patronage refunds?
Yes, owning stock or participation certificates may make you eligible to  receive patronage refunds or dividends. Patronage refunds are based on the amount of business you have done with the association, and dividends are based on the number of shares of voting stock or participation certificates you hold. Declarations of patronage and dividends are made at the sole discretion of the board of directors upon review of the association's financial performance.
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Voting Stock

We support the cooperative principle of sharing our success with our members.

Do voting stock/participation certificates earn dividends or patronage refunds?

Feb 19, 2021, 15:16 PM
Question : Do voting stock/participation certificates earn dividends or patronage refunds?
Yes, owning stock or participation certificates may make you eligible to  receive patronage refunds or dividends. Patronage refunds are based on the amount of business you have done with the association, and dividends are based on the number of shares of voting stock or participation certificates you hold. Declarations of patronage and dividends are made at the sole discretion of the board of directors upon review of the association's financial performance.
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Our Loans

Our loan programs are customized to meet the needs of borrowers just like you.

Do voting stock/participation certificates earn dividends or patronage refunds?

Feb 19, 2021, 15:16 PM
Question : Do voting stock/participation certificates earn dividends or patronage refunds?
Yes, owning stock or participation certificates may make you eligible to  receive patronage refunds or dividends. Patronage refunds are based on the amount of business you have done with the association, and dividends are based on the number of shares of voting stock or participation certificates you hold. Declarations of patronage and dividends are made at the sole discretion of the board of directors upon review of the association's financial performance.
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The Mobile App

Download our ios or android app for more access to your loan information.

Do voting stock/participation certificates earn dividends or patronage refunds?

Feb 19, 2021, 15:16 PM
Question : Do voting stock/participation certificates earn dividends or patronage refunds?
Yes, owning stock or participation certificates may make you eligible to  receive patronage refunds or dividends. Patronage refunds are based on the amount of business you have done with the association, and dividends are based on the number of shares of voting stock or participation certificates you hold. Declarations of patronage and dividends are made at the sole discretion of the board of directors upon review of the association's financial performance.
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