Central Texas Farm Credit provides financing for farms and ranches, operating expenses, livestock and equipment, recreational property, and country homes. As a Central Texas Farm Credit borrower, you are a member of a cooperative and entitled to share in its financial success. Every year, Central Texas Farm Credit returns profits to customers - the owners - as patronage dividends, significantly reducing total borrowing costs. Cash patronage distributions reduce your effective interest cost and save you money. If you’re borrowing from a lender that doesn’t return a portion of its profits to you, consider doing more of your business with Central Texas Farm Credit – where you are the stockholder. Remember, you own the company and you share in the earnings. With our flexible loan terms and competitive interest rates, we can create a financing package that meets your needs. NMLS#469508