We've had several loans with Capital Farm Credit. You do get patronage checks at least once a year, and usually twice a year. One thing you need to know is that money stays in your account after you pay the loan off. We don't currently have an active loan with them but still have over 12k in our account. They will not refund that money but you still get a "profit sharing check" at least once a year at their discretion.
I am very confused? I've never dealt with Capital Farm Credit, but with Lone Star Ag, twice. Both times when I paid off the loan I got one more Patronage check, but there is no money left in my account. I've never heard of anything like that.