It's simple - Pat-NOW is our pledge to you - it keeps your interest rates low!
One of the basic cooperative principles is that members receive benefits based on their use of the cooperative's services. Therefore, the more business you do with FCS of ND, the more opportunity we have to lower rates to our customers. It is your patronage - NOW!
Since the beginning of our Pat-NOW program in 2006, cooperative members have saved over $2 million in interest costs each year. This savings stays in YOUR pocket and helps support your local communities.
At Farm Credit Services of ND we believe the Pat-NOW philosophy will remain strong and provide our members, and the communities in which they live, with long-term success.
Farm Credit Services of ND is a member-owned agricultural credit association providing loans to farmers and ranchers for real estate, machinery, livestock, and operating needs. FCS also offers life & disability and crop insurances to the rural community. They serve 17 counties in northwest North Dakota through eightbranch offices located in Minot, Bottineau, Carrington, Rugby, and Williston, including Bowbells Crop Insurance (Bowbells) and Ward County Crop Insurance (Minot).