• More than 90 years of lending to Northeast 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, fishermen, lobstermen, part-time growers, agribusinesses and country home owners.

• Close to 10,000 customers in our six-state territory: New Hampshire, Massachusetts, Connecticut, Rhode Island, New York and New Jersey



• A leader in farm legislation and land preservation
  
• $2.6 billion in loans 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

• Financial services that enhance productivity and profitability:
  

  - Leases
  - Tax services
  - Financial record-keeping services and software
  - Payroll services
  - Estate planning
  - Business consulting
  - Appraisals
  - Multi-peril crop insurance
  - Credit life insurance

• A $21.0 million patronage dividend paid to all borrowers in February 2005. The dividend reduced the average interest rate by approximately by 1 percent.
  
• Proud sponsors of dozens of agricultural, community and civic activities, including: FFA Star Farmer, New England Green Pastures, The New England Ag Export Showcase, Cornell Dairy Fellows, Century Farm Awards and agricultural leadership programs throughout the Northeast


• $21,000 in college scholarships annually

What is a "cooperative"?
When you become a First Pioneer Farm Credit 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: In effect, patronage dividends help reduce the cost of borrowing.

• Customer. Stockholder.
• A salute to First Pioneer's diverse customer base.
• Patronage Dividends
  

© 1999-2007 First Pioneer Farm Credit, ACA. All rights reserved.