As part of a nationwide cooperative, Southwest Georgia Farm credit has been financing farms, agribusinesses, land, equipment, construction, and homes for 100 years. Whether you are a large farmer, dream of owning a few acres in the country, or want to purchase or refinance a home, we have the knowledge and expertise to be your lender. Interested in a loan? Apply now.

When you choose Southwest Georgia Farm Credit, you get local, knowledgeable staff who understand the unique needs of farmers and country living. And, when you become a member, you can take advantage of our Member Dividend Program, which allows you to share in the profits of the Association.


Our Member Dividend Program is unique in that other lenders simply do not return their profits to their borrowers. Each year, our Board of Directors (elected by our membership) reviews our financial position, and determines if the Association’s capital position is strong enough to distribute a portion of our profits to our members. If so, you’ll receive a check, based on the amount of interest you’ve paid in the previous year.



SINCE 1991


See the patronage refund process from the time you borrow your loan to the time you get your refund distribution.

All numbers, including amount of patronage returned, are for illustration purposes only.

You borrow $100,000 for a tract of land $100,000
You purchase Farm Credit stock $1,000
Total loan amount $101,000
Term of loan 1 year
Interest rate 4.00%

The Association has a profitable year and declares an annual patronage distribution of 0.29% of the interest you paid (the average for 18 years of our distributions). This means a 1.18% dividend for you.

The Association declares that 50% of that amount will be paid to you in cash, and retains 50% to help retain the Association's capital position. The retained amount is typically scheduled to be returned to you in five years.

Distribution paid in cash $600
Distribution retained in your name 
(eligible for retirement in five years)
Interest savings (after one year) 1.18% or $1,200
Adjusted Interested Rate* 2.82%
Return of stock $1,000

* Interest rate adjusted for patronage dividend only.

Patronage distribution is subject to Board approval and not guaranteed or implied.

This information is not intended to be an interest rate disclosure. All patronage refunds and Association equity matters are determined by the Association's bylaws. Please review the bylaws and consult with your tax advisor for additional information.

Member Dividend Chart

Southwest Georgia Farm Credit has a strong history of returning profits. Since 1991, we have paid cash distributions to our members totaling more than $116 million.

Fiscal Year Ending in December Total Member Dividend Distribution Cash Allocated Surplus Allocated Surplus Distributed Percentage of Interest Earned
1991-2003 $61,660,750 $21,859,301 $39,801,449 $39,801,449 28.72%
2004 $5,430,937 $2,716,136 $2,714,802 $2,714,802 28.00%
2005 $7,234,490 $3,617,596 $3,616,894 $3,616,894 28.00%
2006 $7,647,269 $3,823,936 $3,823,333 $3,823,333 22.67%
2007 $5,874,720 $4,012,546 $1,862,174 $1,862,174 15.52%
2008 $0 $0 $0 $0 0.00%
2009 $0 $0 $0 $0 0.00%
2010 $2,845,969 $1,423,674 $1,422,296 $1,422,296 15.58%
2011 $2,247,262 $1,124,438 $1,122,825 13.17%
2012 $5,000,000 $2,500,525 $2,499,475 28.14%
2013 $5,500,000 $2,750,605 $2,749,395 28.56%
2014 $4,500,000 $4,500,000 $0 $0 21.25%
2015 $3,954,996 $3,954,996 $0 $0 16.44%
2016 $4,743,147 $4,743,147 $0 $0 16.78%
Total $116,639,540 $57,026,899 $59,612,642 $53,240,948 21.95%

Farm Credit FAQ

Our patronage program returns our profits to our members when we're in excellent financial standing.

Most lenders don't share their profits, so you may have some questions about how it works. Read our FAQ and see if we've already answered what you're wondering


Calculate what your member dividend might be, based on our average past return and the amount of business you do with Southwest Georgia Farm Credit.

$ .00

Your estimated Patronage Distribution:


Which effectively lowers your total interest cost for the first year of your loan from   to:


This effectively lowers your interest rate from   to:



The relationships we create with Georgia farmers and rural property owners are why we do what we do. Get to know the board members and management team who oversee our Association and run our daily operations, and you'll see why Southwest Georgia Farm Credit is all about people.

Kimbley D. Rentz, Chairman

Mr. Rentz farms cotton, peanuts and sweet corn and is currently serving a three-year term which will expire in 2019. He also serves on the boards of Three Notch EMC, Sweet Corn Coop, Decatur Gin, Staplcotton and Decatur County Farm Bureau.

James H. Dixon, Jr., Vice Chairman

Mr. Dixon is a poultry farmer whose term will expire in 2020.

John M. Bridges, Jr.

A resident of Decatur County, Mr. Bridges farms approximately 3,000 acres producing cotton, peanuts, green beans and other vegetables. He serves on the boards of Decatur County Farm Bureau, Southwest Georgia Academy and AFG Feeds. Mr. Bridges' term will expire in 2018.

Jeffrey A. Clark

Mr. Clark is a professor of finance at The Florida State University, Tallahassee, Florida. He was appointed as an Association outside director, and is serving a three-year term which will expire in 2017.

Clifford Dollar, Jr.

Mr. Dollar is a peanut, cotton and cattle farmer who also serves as board president of Sowega Cotton, Inc. His term expires in 2018.

George Thomas "Tom" Harrison

Mr. Harrison is an Association outside director who is currently serving a three-year term which will expire in 2020. He is a Certified Public Accountant and Certified Financial Planner. Mr. Harrison, a partner in the CPA Firm, Lanigan & Associates, manages the engagement of large audits for the firm, while also serving as a member of the firm's peer review and oversight team. His experience includes working with the accounting and agricultural sectors, specifically pertaining to forest products, farm machinery dealerships, financial planning, and accounting for timber, row crops, peanut and vegetable operations.

Robert L. Holden, Sr.

Mr. Holden is a dairy, poultry and row crop farmer. His term will expire in 2019, and he also serves on several regional boards, including board vice president of Georgia Milk Producers Association, First United Ethanol, LLC. and the Grady County Farm Bureau.

Edward "Ted” Milliron

Mr. Milliron is a fifth generation crop and pecan farmer who resides in Randolph County. He graduated from the University of Georgia with a B.S. degree in Agricultural Economics. His farm operation currently includes about 2,000 acres producing corn, cotton, peanuts and soybeans, with an additional 50 acres devoted to pecan production. Elected in 2015, Mr. Milliron serves on the boards of the Randolph County Farm Bureau and Milliron Farms, Inc.


Richard S. Monson, President and Chief Executive Officer
Paxton W. Poitevint, Chief Operating Officer
Richard Horn, Chief Credit Officer
Tarrell Bennett, Chief Lending Officer
Ryan Burtt, Chief Financial Officer
Liz Nogowski, Chief Marketing and Administrative Officer


There are many distinct advantages in choosing Farm Credit to help you meet your goals for your operation, rural property or country lifestyle. If you have a specific question, we may have answered it here. If you still have questions, contact us or visit the Farm Credit System's site.