Calculators

At River Valley AgCredit you are not just a customer, you are an owner. As an owner, you will share in the success of the cooperative. Each year, a portion of our profits are returned to our members through patronage. Patronage lowers your overall cost of borrowing. It’s just one of the many perks of doing business with us, a cooperative lender. 

Since 1995 River Valley AgCredit has paid over $100 million back to our members, putting our profits back into the pockets of the people who contribute to growing our communities. 

Discover how much you could earn through River Valley AgCredit’s patronage program. Use the calculator below to estimate your potential patronage distribution and how it may lower your effective interest rate.