The Rural Telephone Finance Cooperative is a member-owned, not-for-profit lending cooperative created in 1987 to serve the financial needs of the rural telecommunications industry. It is guided by a 10-member board of directors elected from its rural telco membership.

Today, RTFC has more than $1 billion in loans outstanding to rural telecommunications companies. With a membership of almost 500 rural cooperatives and companies across the United States and its territories, RTFC remains committed to supporting the rural telecommunications industry.

Cooperative Lender
As a cooperative owned by its membership, RTFC returns 99 percent of earnings to borrowers each year in the form of capital credits. The remaining 1 percent is placed into a cooperative education fund.

Funding
RTFC is funded by its affiliate, the National Rural Utilities Cooperative Finance Corporation, which has reliable access to the capital markets. By taking advantage of CFC's established, high-quality credit position on Wall Street, RTFC has ready access to capital to fund its loans.