 They want to partner with you. They want to be your relationship lender. Need even a greater incentive? Alabama Ag Credit supports the cooperative way of doing business, so their members are their stockholders. As a stockholder, you may be eligible to receive a cash patronage dividend. Last year, the dividend for most folks was about 1% of their loan balances. Wow, you heard that right, 1%. That's straight cash back into your pocket.