The U.S. Department of Agriculture has announced the loan interest rates for September 2025, effective September 1, 2025. These rates apply to various Farm Service Agency (FSA) loan programs designed to help agricultural producers start, expand, or maintain their farming operations.
Operating, Ownership, and Emergency Loans:
- Farm Operating Loans (Direct): 4.875%
- Farm Ownership Loans (Direct): 5.875%
- Farm Ownership Loans (Direct, Joint Financing): 3.875%
- Farm Ownership Loans (Down Payment): 1.875%
- Emergency Loans (Amount of Actual Loss): 3.750%
FSA also offers guaranteed loans through commercial lenders at rates set by those lenders. Producers can access a step-by-step loan process guide via the Loan Assistance Tool on farmers.gov.
Commodity and Storage Facility Loans:
- Commodity Loans (less than one year): 5.000%
- Farm Storage Facility Loans:
- 3-year terms: 3.750%
- 5-year terms: 3.875%
- 7-year terms: 4.000%
- 10-year terms: 4.375%
- 12-year terms: 4.500%
- Sugar Storage Facility Loans (15 years): 4.750%
These loans offer low-interest financing to build or upgrade on-farm storage and handling equipment, or provide interim cash flow support without forcing producers to sell commodities during low market prices.
For more information, producers should contact their local USDA Service Center or use online tools such as the Loan Assistance Tool and Debt Consolidation Tool available at farmers.gov.
