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FCS Financial is an agricultural cooperative owned by our borrowers who purchase stock which provides capital to the organization. The capital is used to secure funding for the farm credit bonds which provide the funding for the loans we make. Additionally, because we're a primary lender, not an agent for another lender, we can access money at highly competitive rates. Member investment in FCS Financial ensures a continuous, dependable, source of credit for agriculture and rural homeowners with availability of money during all economic cycles of agriculture. Your stock also empowers you as a member providing you with voting rights to elect directors who oversee association operations, hire its management and establish its policies. As a result, stock assures that FCS Financial will stay focused on meeting the needs of the members who are actively borrowing. For details regarding the FCS Financial stock requirements, please read our Notice to Borrowers Concerning Their Investment.