Patronage & Member Benefits
We are a cooperative organization dedicated to our customer-owners and rural communities. We remain financially strong and share our success with our customer-owners. Since we started our patronage program in 2006, we have returned more than $250 million in profits to our customer-owners, with $39.5 million being returned for the 2022 calendar year.
All customer-owner loans that were capitalized in 2022 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 customer-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 customers who are actively borrowing.
