USDA Announces December 2025 Lending Rates for Agricultural Producers

Dec 15, 2025

The U.S. Department of Agriculture (USDA) announced loan interest rates for December 2025, which are effective Dec. 1, 2025. USDA Farm Service Agency (FSA) loans provide important access to capital to help agricultural producers start or expand their farming operation, purchase equipment and storage structures or meet cash flow needs.

Operating, Ownership and Emergency Loans
FSA offers farm operating, ownership and emergency loans with favorable interest rates and terms to help eligible agricultural producers obtain financing needed to start, expand or maintain a family agricultural operation.

Interest rates for Operating and Ownership loans for December 2025 are as follows:

Farm Operating Loans (Direct): 4.625%
Farm Ownership Loans (Direct): 5.750%
Farm Ownership Loans (Direct, Joint Financing): 3.750%
Farm Ownership Loans (Down Payment): 1.750%
Emergency Loan (Amount of Actual Loss): 3.750%

FSA also offers guaranteed loans through commercial lenders at rates set by those lenders. To access an interactive online, step-by-step guide through the farm loan process, visit the Loan Assistance Toolon farmers.gov.

Source : usda.gov

Video: Turning Better Feed Into Better Herds: Innovation in Forage Harvesting

What happens when a dairy farmer gets frustrated with equipment that isn’t doing its job? In this episode, we sit down with Horning Manufacturing founder Leon Horning to hear how a problem in the feed bunk led to a globally recognized forage equipment company.

Born out of a third-generation dairy operation in Pennsylvania, Horning Manufacturing started with one goal: helping cows get more nutrition from silage. Leon shares how his father, Leon Sr., built the first kernel processor rolls in the family farm shop after seeing whole corn kernels pass through cows undigested — costing valuable feed efficiency and milk production.

We explore the company’s journey from a side project on the farm to an international manufacturer serving dairy farmers, beef operators, and custom harvesters around the world. Along the way, Leon discusses the evolution of pull-type forage harvesters, the engineering behind Horning’s “plug-and-play” kernel processor kits, and why reducing downtime during harvest can make or break a season.

The conversation also dives into Horning’s row-independent corn heads, practical equipment design, real-world customer stories, and how innovations born in the field continue to shape the company today.

Whether you’re a producer, equipment enthusiast, or simply love stories of grassroots innovation, this episode offers a fascinating look at how one farm family turned necessity into industry-changing technology.

Contact Horning Manufacturing today at 717-354-5040
https://www.horningmfg.com/