This is just something of a heads up to any of the Canadian members who have a mortgage with Farm Credit Canada. Check your interest rates your paying against the interests rates in the mortgage contract. I just discovered going through some paper work the other day the whole time i have had a mortgage with them they have been over charging me. A small enough amount that if i just skimmed the paper work would have missed it. But a large enough amount to add up. Plus the fact its illegal for them to do that. So just double check your paper work.