AGRIS Co-operative Ltd.

Benefits of ownership

  • Local ownership
  • Democratic control
  • Investment opportunities at competitive rates
  • Patronage based on profits

Purchase of ownership shares $1,000

Recent patronage history

  2019 2018 2017 2016
Purchases (%) 0.50 1 1 1
Grain (cents per bushel) 5.00 3.50 3.50 3.50
Fuel (cents per litre) 0.50 1.25 1.0 1.0


Investment opportunities

(effective May 1, 2020)


Demand member loan   2.5%
Unsecured debentures 3 years 4%
Unsecured debentures 5 years 5%



Your co-operative needs capital in order to acquire fixed assets and working capital to provide regular services to members and customers. Financing is obtained from three sources:

  1. Annual profits and depreciation allowances
  2. Creditors who provide money as lenders
  3. Members and other individuals who help to finance the business as investors. There are several different investment opportunities as described below.


Demand loan accounts

Money that is invested in these accounts is treated as a loan that is repayable on demand. Interest rates are usually fairly attractive for short-term investments. Funds can be put in to these accounts at any time and withdrawn at any time and the maximum amount per individual is $150,000. Interest is calculated monthly, taking into account daily all new loans and repayments that take place during the month. Interest is credited to the balance of the demand member loan account each month and a monthly statement is mailed out showing all the transactions that have taken place.


Unsecured debentures

These are long term investments that are issued for three or five year terms. Interest is paid annually. Upon the initial investment, a confirmation statement is mailed out and then after that there is a statement of investments sent out annually.

Periodically your co-operative offers a secured debenture series and whenever these are available, details will be posted on this website. At that time information will also be mailed out to current investors and members.


For more information contact your local branch or call Paul Emerick at (519) 380-2373.


Honouring our past while bringing you what's next.