USDA July 2025 Loan Rates Support Farm Growth and Stability

New USDA Loan Rates Help Farmers Finance Operations

The U.S. Department of Agriculture (USDA) has released the loan interest rates for July 2025, effective from July 1.

These Farm Service Agency (FSA) loans offer vital financial support for farmers looking to begin, grow, or sustain their operations, as well as for purchasing equipment and improving infrastructure.

Interest rates for July 2025 are as follows:

• Direct Farm Operating Loans: 5.000%
• Direct Farm Ownership Loans: 5.875%
• Joint Financing Ownership Loans: 3.875%
• Down Payment Ownership Loans: 1.875%
• Emergency Loans (based on actual loss): 3.750%

FSA also provides guaranteed loans through private lenders, with rates determined by those institutions. Producers can use the USDA’s Loan Assistance Tool at farmers.gov for guided help through the application process.

In addition, FSA offers Commodity and Storage Facility Loans through the Commodity Credit Corporation (CCC). These provide affordable funding for on-farm storage improvements and help producers manage cash flow by avoiding forced commodity sales during low market prices.

Commodity Loans (short-term): 5.125%

Farm Storage Facility Loan Rates:

• 3-year: 3.875%
• 5-year: 4.000%
• 7-year: 4.250%
• 10-year: 4.500%
• 12-year: 4.625%

Sugar Storage (15-year): 4.750%