Stock Purchase Requirements

As a borrower-owned cooperative, GreenStone generates capital through the sale of stock. We use capital to secure Farm Credit bonds which provide the funding for the loans we make. As a primary lender, not an agent for a secondary lender, we can access money at highly competitive rates.

Our members are our stockholders. When you receive financing through GreenStone, you also receive a share of stock that is yours until your loan is paid off. GreenStone stock is not publicly traded, and its price does not change with the market, therefore you cannot sell your stock nor purchase more. Your stock will be paid back once your loan is “retired” or paid off in full. As our stockholders, you are responsible for electing our governing board of directors. Our goal is to remain responsive and continue to offer the best services and interest rates possible for the constantly evolving agricultural operations and rural lifestyles of our members.

Farm Credit was created to provide reliable and accessible funding for farmers and America’s rural communities. Commercial banks often shift their lending emphasis to more profitable consumer lending in down economic cycles in rural areas. This is when credit is needed most, and it may not be available to farmers. Member investment in GreenStone ensures a dependable source of credit for agriculture and rural homeowners during all economic cycles.