Member Benefits

Our borrowers aren’t just customers. They’re valued neighbors, friends, and members that we get to know and genuinely care about like family. Members of Texas Farm Credit are also stockholders who share in our every success through the patronage program.

Farmer posing on a tractor

What Sets Us Apart

Texas Farm Credit has been a unique lending partner for the agricultural community for over 100 years, offering reliable, consistent credit and financial services. Our mission is to support the rural communities where we both work and live, supporting every corner of agriculture—from the smallest operations to the largest and everything in between.

In addition to learning about our patronage program above, read on below to see how our members benefit from choosing Texas Farm Credit as their rural lending partner.

An Independent Farm Credit Institution

We’re part of the national Farm Credit system, a network of independent cooperatives that serve more than 500,000 farmers, ranchers, agricultural producers, agribusinesses, and rural homebuyers in all 50 states. We exist to help U.S. agricultural producers feed the world, rural businesses grow, and rural families thrive.

Elder farmer with a cowboy hat

With a AAA-rating, Farm Credit debt enjoys strong demand that results in competitive interest rates on loans for our borrowers, despite conditional changes in the ag industry. Farm Credit also ensures that all associations, including TFC, operate in a safe and sound manner so that you can feel confident doing business with us.

Boys sitting in the back of a farming vehicle

Patronage Program

Our association is a borrower-governed cooperative that enables its members to receive year-end dividends through a patronage program. When Texas Farm Credit does well financially, members like you benefit.

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Part Of The Family

One of the most important cornerstones of Texas Farm Credit is family. We consider our fellow employees family, and our borrowers become family as well. We live in the communities we serve: That means we pride ourselves on our good name, exceptional service, and the way we choose to do business. You can count on us to treat you the same way we would one of our own.

Farmer enjoying beers in the field

Rancher and children riding horses

About Texas Farm Credit

We are a customer-owned, community-focused cooperative. From agricultural loans to insurance options, we are here for the changing needs of rural customers across the state.

Read Our Story

TFC presenting a large check to the Regents Academy 4-H Club

Culture Of Giving Back

Texas Farm Credit also gives back to our local communities through our Passion Forward program. Our board of directors challenge us each year to give back a certain percentage of our earnings. We achieve that goal through volunteer efforts, donations, and giving back to our communities in ways that benefit them most. It’s rare to find an organization that cares about their neighbors the way we do – but for us, it’s all in a day’s work.

See How We Give Back

Success StoriesPennington Farms, Inc

A full-time farmer and a part-time Air Force Reservist, Spence Pennington has found community among Farmer Veteran Coalition members and support from Texas Farm Credit.

Read Full Story All Success Stories
Image of the Pennington Family
Farmers and children posing in front of farming equipment

Find Us Near You

We are located in rural communities from the Red River to the Rio Grande Valley! Visit your nearest Texas Farm Credit office and meet your local lending expert.

Find a Location

Get Newsletter Updates

The Texas Farm Credit eNewsletter is emailed quarterly. It’s our staff’s way of staying connected with stockholders and colleagues.

Child kissing a horse over a fence