There's really no such thing as a steady paycheck on the farm. You generally make your money in the fall and spend it in the spring, with an unpredictable flow of cash throughout the rest of the year. A Funds Held Account allows you to plan and prepare ahead for the slow times, by earning money on advance loan payments when you can afford it.
By placing advance loan payments in your Funds Held escrow account, your account balance will earn a simple rate of interest determined by the Association, not to exceed the interest rate charged on the related loan. The Association may change the interest rate from time to time [NOTE: As of July 1, 2016, Funds Held accounts earn 2% less than the interest rate charged on the related loan]. When your next loan payment is due, the funds and the interest are applied directly to the payment.