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弗吉尼亚州Farm Credit最近认定,与2021年董事会和提名委员会选举有关的选票邮寄名单存在错误. As a result, 本次选举的选票已于10月12日寄给有资格投票的股东, 2021, must be resent to the entirety of the mailing list, and all of the votes must be recast. 新的选票将于11月19日左右邮寄给所有有投票权的股东, 2021, 有投票权的股东们应该留意邮寄来的新选票. Click here to view the entire notice to stockholders.

 

Patronage

It literally pays to partner with Farm Credit

当您成为弗吉尼亚农场信贷(FCV)的一员,体育彩票外围平台的成功就是您的成功. 为了证明这一点,体育彩票外围平台通过每年的赞助退款计划分享体育彩票外围平台的利润. We've returned more than $358 million in cash refunds since 2001. In 2021, FCV paid out $40 million in cash refunds to our customer-owners, 这相当于5个月的无息贷款,约占贷款利息的44%.

The more profitable and healthy our business remains, 成为客户的付出就越多——这是体育彩票外围平台独特的真正好处, cooperative structure.

专业提示:计算您的估计赞助退款使用赞助计算器在这个网页的底部!

patronage chart

体育彩票外围平台知道利润分享的概念是不寻常的,所以你有问题是很自然的. 很少有银行与客户所有者分享利润, 还有一些事情是体育彩票外围平台的客户一直想知道的. Read our answers to the most frequently asked questions.

Patronage FAQ

What are the benefits of being a Farm Credit member?

作为农场信贷的会员和借款人,最重要的经济利益之一是有机会分享协会的利润.

大多数企业将利润返还给业主,而不是顾客. When you borrow from Farm Credit, 你成为企业的所有者,因此有权分享协会的利润.

在每个财政年度结束时,农业信贷决定其总收入和支出. 在扣除所有费用后剩下的收入(净收入)可以按照协会的章程进行分配.

董事会可以选择保留所有净收入,以加强协会的资本状况, or distribute a portion of, or all, 宣布赞助退款,使会员获得净收入.

What is a patronage refund?

赞助退款是将协会的净收入分配给会员股东的一种方式. 会员的退款是基于他或她的贷款利息占协会总利息的比例. 赞助退款是一种退还一部分利息你支付了你的贷款.

How do patronage refunds benefit Farm Credit borrowers?

赞助退款通过降低借款成本使借款人受益. Farm Credit对其贷款收取的利率与其他类似贷款机构收取的利率相当.

However, Farm Credit和其他贷款机构的一个主要区别是,Farm Credit将其利润返还给借款人. 当你从农场信用收到赞助退款时,你的有效借款成本降低.

因为农业信贷会根据每个成员的贷款所获得的利息来分配退款, the more business you do with Farm Credit, the larger your potential patronage refund.

How is my patronage refund issued?

您的赞助退款的现金部分可以通过支票发放给您或记录在协会的账本上的一个特别帐户.

When any portion of a patronage refund is paid in cash, 您的董事会可以选择设置最低支票金额作为控制费用的手段. 低于最低支票金额的现金分配记录在一个叫做“应付惠顾”的特殊账户中. On notification of patronage refund, 退款放置在赞助应付出现在“未分配."

成员可以要求在他们的赞助应付帐户的钱的支票, request that these amounts be applied to their loans, 或者让这些分配“由协会负责”.

我是否会收到有关赞助退款的税务通知?

Yes. In January, Farm Credit will send you an IRS Form 1099. 此表格将显示过去一年发给你的所有应税赞助退款总额. 在合格的分配盈余中支付的赞助退款部分也将作为应税收入报告. This statement is also available on AccountAccess.

What is the bottom line on patronage refund?

使用赞助退款使您的有效利息成本的显著减少,并节省您的钱. 下次你坐下来给另一家贷款机构写支票的时候, 问自己一个问题:“银行会返还给我多少利息。?" If your answer is "none,“那么,也许你应该考虑在你的股东农场信贷公司里多做些生意. 记住,你拥有银行,你分享利润.

CUSTOMER PERSPECTIVES

“赞助只是表明体育彩票外围平台协会正在努力为农业社区提供体育彩票正规app下载”

Craig Bailey, Greenmount Heritage LLC (Harrisonburg, VA)
CUSTOMER PERSPECTIVES

“体育彩票外围平台可以用这些钱偿还其他贷款, expand the operation, or purchase sheep and cattle."

Stephen & Jackie Lohr, Endless View Farm (Broadway, VA)

Calculate Your Patronage Distribution

$
%

Here is your estimated Patronage Distribution: ESTIMATED PATRONAGE

After receipt of your distribution, 赞助有效地降低了您第一年贷款的总利息成本 from $XXXXX to: EFFECTIVE INTEREST EXPENSE

This effectively lowers your interest rate from XXXX to: EFFECTIVE INTEREST RATE

*Results based on 10-year average refund totals. Past performance not a guarantee of future payouts. Calculations do not 说明货币的时间价值或区分以现金和分配盈余获得的回报. Talk to a loan officer for details.

Loan Calculators

Still not sure if Farm Credit is right for you? Run the numbers with our simple loan calculators.

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