Patronage & Member Benefits
We are a cooperative organization dedicated to our member-owners and rural communities. We remain financially strong and share our success with our member-owners. Since we started our patronage program in 2006, we have returned more than $292 million in profits to our member-owners, with $41.2 million being returned for the 2023 calendar year.
All member-owner loans that were capitalized in 2023 by stock or participation certificates are eligible for patronage, except in the following circumstances:
- Loan is in non-accrual status and past due at the end of the year
- Loan has been partially or fully charged off
- Loan has a dollar or less of average daily balance
Voting Rights
As a member-owner, you have voting rights to elect directors who oversee the cooperative’s strategic direction, hire its management and review its policies. As a result, the cooperative structure assures its members that FCS Financial will stay focused on meeting the needs of the members who are actively borrowing.
