As a proud member of the Farm Credit System, ArborOne is a financial cooperative created for the benefit of its agricultural member-owners.
We return our profits to our member-borrowers through patronage refunds.
For that reason, we work by the Cooperative Principle, which means we’re all here for one reason - helping South Carolina farmers, families and individuals succeed with the best financial tools available.
Unlike commercial banks, our cooperative structure means that a portion of the profits generated from our lending activity is returned to our member-borrowers in the form of patronage refunds. These patronage refunds are based on the proportion of interest earned on an individual loan which significantly reduces the cost of borrowing for our member-owners.
The Board of Directors determines the amount of patronage refunds to be distributed based on the association’s earnings and capital position. The distribution of these profits to our members effectively reduces their cost of borrowing money.
Contact us today to find out how you can become a member and take advantage of our patronage program.
ArborOne has returned over $99.2 million in profits to our member-borrowers through patronage refunds since 1989.