• More than 90 years of lending to farmers, in good times and bad



• The # 1 financial services cooperative for the Northeast ag industry



• Serving people involved in the business of agriculture, including: farmers, nursery and greenhouse operators, forest products businesses, part-time growers, agribusinesses and country home owners.



• More than 3,400 customers in our 16-county territory



• A leader in farm legislation
  
  
• More than $802 million in loans and leases to capitalize ag businesses



• Part of the national Farm Credit System founded in 1916 to promote the growth and prosperity of agriculture throughout the United States



• A full range of credit services:
  

  - Real estate loans
  - Equipment loans
  - Operating loans
  - Country home mortgage loans
  - Letters of credit
  - Profit Analyzer services
  - Focus on the Future seminars

  Financial services that enhance productivity and profitability:
  

  - Leases
  - Tax services
  - Financial record-keeping services and software
  - Payroll services
  - Estate planning
  - Farm business consulting
  - Appraisals
  - Financial consulting
  - Multi-peril crop insurance
  

• $51.9 million distributed to customers in patronage refunds over the past 11 years.
  
• Proud sponsors of dozens of agricultural, community and civic activities, including: FFA Star Farmer, New York State Economic Development Initiative, LEAD New York, 4-H, New York FarmNet, Cornell Dairy Fellows and Century Farm Awards
  
  
• A scholarship program to help talented college students achieve their dream of higher education
  

What is a "cooperative"?
When you become a Farm Credit of Western New York borrower, you become a member of a financial cooperative with stockholder voting rights and an opportunity to share in the distribution of patronage dividends. These dividends are based on interest—or "patronage"—accrued by members to the cooperative and returned to borrowers following the end of every calendar year in which our net earnings meet objectives.

Key Benefit: Patronage dividends help reduce the cost of borrowing.

© 1999-2006 Farm Credit of Western New York, ACA. All rights reserved.