RTFC is a member-owned, not-for-profit cooperative created solely to serve the financial needs of the rural telecommunications industry.
Created in 1987 to provide financing for rural telephone companies
and cooperatives and their affiliates, RTFC is the only private-sector
lender owned and governed by the rural telecom industry.
RTFC’s vision is to create value for the rural telecommunications
industry by providing superior financial services.
Overall RTFC policy is set by a member-elected board of directors.
Active and knowledgeable leaders of the telecom industry, these
directors keep RTFC directly connected to its member-owners. Combining
their industry background with prudent lending practices results in
products that assure RTFC’s continued financial success and
effectiveness for its members.
RTFC practices strong rural advocacy and education through its
support of several industry organizations and foundations. Each year,
RTFC puts a percentage of its earnings in a cooperative education
fund. Monies from this fund support grants and programs that encourage
development and education in rural America.
Membership in RTFC is open to cooperative and commercial telephone
companies serving rural areas that are eligible for financing from
If you would like to join the almost 500 rural telcos who are owner-members of RTFC, please contact us.
RTFC is funded by and affiliated with the National Rural Utilities Cooperative Finance Corporation (CFC) through operating and management agreements. CFC and telephone industry leaders created RTFC in 1987 to provide financing for rural telephone companies and cooperatives.