New York FSA October News

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New York FSA Newsletter - October 13, 2023

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Dates to Remember

Oct 30

Deadline to Apply for the Milk Loss Program

Oct 31

Organic Certification Cost-Share Program Deadline

Nov 10

All Offices Closed for Veterans Day Federal Holiday

Nov 15

Acreage Reporting Deadline for Fall Seeded Small Grains

Nov 20

Noninsured Crop Disaster Assistance Program (NAP) Coverage Deadline for perennial fruits and nuts, strawberries, asparagus, ginger, horseradish, and rhubarb 

Nov 23

All Offices Closed for Thanksgiving Day

Jan 13, 2024

Deadline to apply for Inflation Reduction Act Section 22007 – Discrimination Financial Assistance Program

Ongoing

Conservation Reserve Program (CRP) - Continuous Enrollment


USDA Extends Milk Loss Program Assistance Deadline to Oct. 30

The U.S Department of Agriculture (USDA) is extending the application deadline for the Milk Loss Program (MLP) to Monday, Oct. 30, 2023, allowing more time for eligible dairy farmers to apply for much-needed, weather-related disaster recovery assistance.  

Administered by USDA’s Farm Service Agency (FSA), MLP compensates dairy producers who, because of qualifying weather events, dumped or removed milk without compensation from the commercial milk market in calendar years 2020, 2021 and 2022. Eligible causes of loss also include consequences of these weather events, such as power outages, impassable roads and infrastructure losses. FSA opened MLP enrollment on Sept. 11, 2023; the original MLP deadline was Oct. 16, 2023.  

How to Apply  

To apply for MLP, producers must submit:  

  • FSA-376, Milk Loss Program Application 
  • Milk marketing statement from the: 
    • Month prior to the month milk was removed or dumped. 
    • Affected month. 
  • Detailed written statement of milk removal circumstances, including the weather event type and geographic scope, what transportation limitations occurred and any information on what was done with the removed milk. 
  • Any other information required by the regulation. 

If not previously filed with FSA, applicants must also submit all the following items within 60 days of the MLP application deadline:  

  • Form AD-2047, Customer Data Worksheet.   
  • Form CCC-902, Farm Operating Plan for an individual or legal entity.    
  • Form CCC-901, Member Information for Legal Entities (if applicable).    
  • Form FSA-510, Request for an Exception to the $125,000 Payment Limitation for Certain Programs (if applicable).    
  • Form CCC-860, Socially Disadvantaged, Limited Resource, Beginning and Veteran Farmer or Rancher Certification, (if applicable). 
  • A highly erodible land conservation (sometimes referred to as HELC) and wetland conservation certification (Form AD-1026 Highly Erodible Land Conservation (HELC) and Wetland Conservation (WC) Certification) for the MLP producer and applicable affiliates.   

Most producers, especially those who have previously participated in FSA programs, will likely have these required forms already on file. But those who are uncertain or want to confirm the status of their forms can contact FSA at their local USDA Service Center

For more information on eligibility and payments, view the MLP fact sheet.  


USDA Reminds Producers of Fall & Winter Application Deadlines for Noninsured Crop Disaster Assistance Program (NAP)

USDA Farm Service Agency (FSA) reminds producers of approaching application deadlines for purchasing risk coverage for some crops through the Noninsured Crop Disaster Assistance Program (NAP). NAP provides financial assistance to producers of non-insurable crops impacted by natural disasters that result in lower yields, crop losses, or prevented crop planting.

NAP covers losses from natural disasters on crops for which no permanent federal crop insurance program is available, including forage and grazing crops, fruits, vegetables, floriculture, ornamental nursery, aquaculture, turf grass and more.

Upcoming application deadlines for NAP coverage in New York for the 2024 production season include:

  • November 20, 2023: perennial fruits and nuts, strawberries, asparagus, ginger, horseradish, and rhubarb 
  • January 2, 2024: honey and maple sap

NAP basic coverage is available at 55% of the average market price for crop losses that exceed 50% of expected production. Buy-up coverage is available in some cases. NAP offers higher levels of coverage, ranging from 50% to 65% of expected production in 5% increments, at 100% of the average market price. Producers of organic crops and crops marketed directly to consumers also may exercise the “buy-up” option to obtain NAP coverage of 100% of the average market price at coverage levels ranging between 50% and 65% of expected production. Buy-up coverage is not available for crops intended for grazing.

For all coverage levels, the NAP service fee is the lesser of $325 per crop or $825 per producer per county, not to exceed a total of $1,950 for a producer with farming interests in multiple counties. Premiums apply for buy-up coverage.

If a producer has a Socially Disadvantaged, Limited Resource, Beginning and Veteran Farmer or Rancher Certification (form CCC-860) on file with FSA, it may serve as an application for basic coverage for all eligible crops beginning with crop year 2022. These producers will have all NAP-related service fees for basic coverage waived.  These producers may also receive a 50% premium reduction if higher levels of coverage are elected on form CCC-471, prior to the application closing date for each crop.

To learn more about NAP visit fsa.usda.gov/nap or contact your local USDA Service Center.


Cost Share for Organic Certification

USDA Certified Organic logo flickr

As part of USDA’s broader effort to support organic producers and in response to stakeholder feedback, this year the Farm Service Agency increased the cost share amount under the Organic Certification Cost Share Program (OCCSP), which helps organic producers cover organic certification costs, to the maximum amount allowed by statute. Specifically, FSA will cover up to 75% of costs associated with organic certification, up to $750 for crops, wild crops, livestock, processing/handling and state organic program fees (California only). OCCSP will cover costs incurred from Oct. 1, 2022, through Sept. 30, 2023.

FSA begins accepting applications for OCCSP Monday, May 15. Applications are due Oct. 31, 2023. To apply, producers and handlers should contact the FSA at their local USDA Service Center. As part of completing the OCCSP application, producers and handlers will need to provide documentation of their organic certification and eligible expenses. Organic producers and handlers may also apply for OCCSP through participating state departments of agriculture.

FSA is also accepting applications from state departments of agriculture to administer OCCSP. FSA will post a synopsis of the funding opportunity on grants.gov and will send more information to all eligible state departments of agriculture. Additional details can be found on the OCCSP webpage. More information about these initiatives and more can be found at farmers.gov/organic-transition-initiative.


USDA Launches Program to Support Agricultural Employers and Farmworkers, Aiming to Increase Economic and Supply Chain Resilience 

flickr apple workers

The Biden-Harris Administration announced that agricultural employers can begin to apply for a pilot program designed to improve the resiliency of the food and agricultural supply chain by addressing workforce challenges farmers and ranchers face. USDA, in coordination with other federal agencies, is announcing up to $65 million in grants available for the Farm Labor Stabilization and Protection Pilot Program (FLSP Program). 

The program will help address workforce needs in agriculture, promote a safe and healthy work environment for farmworkers, and aims to support expansion of lawful migration pathways for workers, including for workers from Northern Central America, through the Department of Labor’s seasonal H-2A visa program.

The FLSP Program seeks to advance the following Administration priorities:     

  • Address current workforce needs in agriculture: Based on stakeholder input, USDA identified that agricultural employers have experienced increased challenges finding an adequate supply of workers, which threatens our domestic capacity to produce a safe and robust food supply. This pilot program will help address these challenges by expanding the potential pool of workers, and enhancing employers’ competitiveness by improving the quality of the jobs they offer.    
  • Reduce irregular migration, including from Northern Central America through the expansion of regular pathways: While U.S. agricultural operations seek additional workers, the Biden-Harris Administration has committed to promote the expansion of regular migration pathways, as part of the Los Angeles Declaration on Migration and Protection. The FLSP offers an opportunity to support this commitment, with economic benefits for foreign workers and their families, and professional and economic development opportunities for communities that send their workers to participate in the H-2A program.    
  • Improve working conditions for farmworkers: A stable and resilient food and agricultural sector relies on attracting and retaining skilled agricultural workers, and strong working conditions are critical to achieve that goal. Through this pilot program, USDA will support efforts to improve working conditions for agricultural workers, both U.S. and H-2A workers. The pilot will help ensure that workers know their rights and the resources available for them, and will promote fair and transparent recruitment practices.     

Eligibility for this competitive grant program is limited to domestic agricultural employers who 1) anticipate meeting all Department of Labor (DOL) and Department of Homeland Security (DHS) regulatory requirements for the H-2A program, including demonstrated effort to effectively recruit U.S.-based workers and hire all willing, able, and qualified U.S. workers; and 2) commit to, and indicate capacity to fulfill all Baseline Requirements, as well as any selected (supplemental) commitments that entail additive worker benefits and protections. Eligible employers include fixed-site employers, joint-employers, agricultural associations, and H-2A labor contractors.   

The maximum award amount is $2,000,000 and the minimum amount is $25,000 per grant agreement (including any sub-awardees). Award amounts will be determined based on the projected number of full-time equivalent (FTE) agricultural employees, desired award level, as well as the competitive nature of the application. Consistent with the H-2A requirements, applicants must demonstrate insufficient availability of a U.S.-based workforce. The grant window for each recipient is 24 months, allowing producers to use the grant over the course of two agricultural production seasons.    

Applications for the FLSP program must be received on or before 11:59 pm Eastern Time on November 28, 2023. More information about the application process can be found here: www.ams.usda.gov/flsp.    


Financial Assistance Application Process Opens for USDA Farm Loan Borrowers Who Have Faced Discrimination

22007 logo

On July 7, USDA and its partner vendors announced the opening of the application period for Section 22007 of the Inflation Reduction Act (IRA), which directs USDA to provide financial assistance to farmers, ranchers, and forest landowners who experienced discrimination in USDA farm lending programs prior to January 2021. The opening of the application process is an important step in delivering on USDA’s commitment of providing financial assistance to those who have faced discrimination in USDA farm lending programs. The application process is open now and will close on January 13, 2024. Borrowers will have the option to apply for assistance online via 22007apply.gov or through a paper-based form.

Details about the program, including an application and e-filing portal, are available at 22007apply.gov. The website includes an English and Spanish language application that applicants can download or submit via an e-filing portal, information on how to obtain technical assistance in-person or virtually, and additional resources and details about the program. Applicants can also call the free call center at 1-800-721-0970 or visit one of several dozen brick-and-mortar offices the program has set up around the country. Locations are provided on the program website and vendors will update the local events schedule with more information as it becomes available. It is important to note that filing an application is FREE and does not require a lawyer.

Farmers, ranchers, and forest landowners who experienced discrimination by USDA in its farm loan programs prior to January 1, 2021, and/or are currently debtors with assigned or assumed USDA farm loan debt that was the subject of USDA discrimination that occurred prior to January 1, 2021, are eligible for this program. 

Under the planned timeline, applications will be reviewed in November and December, with payments reaching recipients soon thereafter. Importantly, applicants should know that the application process is not on a first come, first served, basis. All applications received or postmarked before the January 13, 2024, deadline will be considered.

To support producers throughout the application process, USDA is ensuring that organizations with extensive experience conducting outreach to farm organizations are able to support individuals who may be eligible for the program. These groups include AgrAbility, the Farmer Veteran Coalition, Farmers’ Legal Action Group, Federation of Southern Cooperatives, Intertribal Agriculture Council, Land Loss Prevention Program, National Young Farmers Coalition, and Rural Coalition. 

In standing up this program, USDA has become aware of some lawyers and groups spreading misleading information about the discrimination assistance process, pressuring people to sign retainer agreements, and asking people to fill out forms with private and sensitive information. The official application process and filling out an application is free and does not require a lawyer. 

For more information, please visit 22007apply.gov.  If you want to get weekly updates on the program’s events and progress, there’s a button there to subscribe to a weekly newsletter. 


FSA Offers Safety Net Programs for Honeybee Producers

Honeybees - USDA Flickr

The Farm Service Agency (FSA) administers two programs that have specific safety net benefits for producers of honeybees and honey. The Noninsured Crop Disaster Assistance Program (NAP) and the Emergency Assistance for Livestock, Honeybees and Farm-Raised Fish Program (ELAP) assist producers when disasters impact honey production or damage or destroy colonies, hives or honeybee feed.

NAP is designed to reduce financial losses when natural disasters result in lower yields or crop losses, including honey. NAP coverage is equivalent to catastrophic insurance, meaning it covers up to 50 percent of a producer’s normal yield (must have at least a 50 percent loss) at 55 percent of the average market price. The 2018 Farm Bill reinstates higher levels of coverage, from 50 to 65 percent of expected production in 5 percent increments, at 100 percent of the average market price. Producers of organics and crops marketed directly to consumers also may exercise the “buy-up” option to obtain NAP coverage of 100 percent of the average market price at the coverage levels of between 50 and 65 percent of expected production.

The NAP service fee is the lesser of $325 per crop or $825 per producer per administrative county, not to exceed a total of $1,950 for a producer with farming interests in multiple counties. 

You must apply for NAP coverage by Dec. 31 (Jan. 2, 2024 since the 31st falls on a Saturday) prior to the year for which you’re seeking coverage.

ELAP covers colony losses, honeybee hive losses (the physical structure) and honeybee feed losses in instances where the colony, hive or feed has been destroyed by a natural disaster or, in the case of colony losses, because of Colony Collapse Disorder. Colony losses must be in excess of normal mortality.

Both the NAP and ELAP programs require you to report the number of colonies you have in production to FSA by Jan. 2, 2024. You must notify FSA within 30 calendar days of changes in the total number of colonies or when honeybees are moved to another county. 

For both programs, you must notify FSA within 15 calendar days of when a loss occurs or from when the loss is apparent.  To learn more about programs for honey and honeybee producers, contact your local USDA Service Center or visit fsa.usda.gov.


USDA To Provide Additional Financial Assistance to Qualifying Guaranteed Farm Loan Borrowers Facing Financial Risk

The USDA announced it will begin providing additional, automatic financial assistance for qualifying guaranteed Farm Loan Programs (FLP) borrowers who are facing financial risk. The announcement is part of the $3.1 billion to help certain distressed farm loan borrowers that was provided through Section 22006 of the Inflation Reduction Act.

Since the Inflation Reduction Act was signed into law by President Biden in August 2022, USDA has provided approximately $1.15 billion in assistance to more than 20,000 distressed borrowers as a part of an ongoing effort to keep borrowers farming, remove obstacles that currently prevent many borrowers from returning to their land, and improve the way that USDA approaches borrowing and loan servicing in the long-term. The financial assistance announced today will provide qualifying distressed guaranteed loan borrowers with financial assistance similar to what was already provided to distressed direct loan borrowers. Based on current analysis, the financial assistance announced today will assist an estimated approximately 3,500 eligible borrowers, subject to change as payments are finalized. An FLP guaranteed loan borrower is distressed if they qualify under one of the options below. FLP guaranteed borrowers who qualify under multiple options will receive a payment based on the option that provides the greatest payment amount:

Payment of any outstanding delinquency on all qualifying FLP guaranteed loans as of Oct. 18, 2022. This includes any guaranteed loan borrowers who did not receive an automatic payment in 2022 on that loan because they were not yet 60 days delinquent as of Sept. 30, 2022, as well as guaranteed borrowers that became delinquent on a qualifying FLP guaranteed loan between September 30, 2022, and Oct.18, 2022.  

Payment on a qualifying FLP guaranteed loan for which a guaranteed loan borrower received a loan restructure, which modified the guaranteed loan maturity date, between March 1, 2020, and Aug. 11, 2023. The payment amount will be the lesser of the post-restructure annual installment or the amount required to pay the loan in full. The guaranteed loan must not have been paid in full prior to Aug. 11, 2023.

Payments on certain deferred amounts on qualifying FLP guaranteed loans, not to exceed $100,000, for guaranteed borrowers who received a deferral or another type of payment extension, for at least 45 days, between March 1, 2020, and Sept. 30, 2022, from their guaranteed lender on that qualifying guaranteed loan in response to COVID-19, disasters, or other revenue shortfalls. The Inflation Reduction Act payment amount will be the lesser of the most recent deferral or extension amount on the qualifying FLP guaranteed loan, or the amount required to pay that loan in full. The guaranteed loan must not have been paid in full prior to Aug. 11, 2023.

This assistance is only available for FLP guaranteed loan borrowers who did not or will not receive an initial payment on the same FLP guaranteed loan under Inflation Reduction Act assistance announced in October 2022.

Distressed guaranteed borrowers qualifying for this assistance will receive a United States Department of the Treasury check that is jointly payable to the borrower and the lender. These borrowers will also receive a letter from FSA informing them of Inflation Reduction Act assistance they will receive as well as instructions to make an appointment with their lender to process the payment and apply it to their qualifying guaranteed loan accounts. Guaranteed lenders will receive an email in the coming days informing them of this assistance and any next steps. Lenders will also receive letters informing them which borrowers will receive assistance and the amount of assistance they will receive.

Any distressed guaranteed borrowers who qualify for these forms of assistance and are currently in bankruptcy will be addressed using the same case-by-case review process announced in October 2022 for complex cases.

FSA will also provide relief to qualifying FLP guaranteed loan borrowers determined to be distressed borrowers based on liability for remaining federal debt subject to debt collection and garnishment after the liquidation of their guaranteed loan account as of July 31, 2023. This will allow some borrowers to potentially return to farming. Guaranteed borrowers who qualify for this assistance will have their federal debt paid automatically by FSA and will receive a letter informing them of the payment made on their federal debt.

All letters to qualifying guaranteed loan borrowers will contain instructions for opting out of assistance if a borrower chooses to do so. 

Important Tax Information  
Similar to other USDA Inflation Reduction Act assistance, payments provided to borrowers and payments to be applied to FSA farm loan accounts will be reported to the Internal Revenue Service (IRS). Borrowers receiving this assistance will receive a 1099 form from FSA. Please note that payments over $600 are subject to Federal and State Income Taxes and will be reflected on your annual 1099 form. Borrowers are encouraged to consult a tax professional with all tax-related questions regarding any Inflation Reduction Act assistance received. USDA also has tax-related resources at farmers.gov/taxes. 

Individual Requests for Farmers Seeking Assistance 
In addition to the automatic payments announced today for distressed guaranteed loan borrowers, FSA continues to accept and review individual distressed borrower assistance requests from direct loan borrowers who missed a recent installment or are unable to make their next scheduled installment on a qualifying direct FLP loan. All FSA direct borrowers should have received a letter detailing the eligibility criteria and process for seeking this type of assistance, which is available even before they become delinquent. As the letter details, borrowers who are within two months of their next installment may seek a cash flow analysis from FSA using a recent balance sheet and operating plan to determine their eligibility. 

FSA direct borrowers also received a letter detailing an opportunity to receive assistance if they took certain extraordinary measures to avoid delinquency on their qualifying direct FLP loans, such as taking on or refinancing more debt, selling property, or cashing out retirement or college savings accounts.  

Borrowers can submit requests for extraordinary measures or cash flow-based assistance in person at their local FSA office or by sending in a direct request using the farmers.gov 22006 assistance request portals at farmers.gov/loans/inflation-reduction-investments/assistance. All requests for assistance must be received by Dec. 31, 2023.


USDA Offers New Crop Insurance Program for Producers Using Controlled Environments

flickr controlled environment

USDA announced a new crop insurance program designed for agricultural producers who use controlled environments in their operations. The new Controlled Environment program from USDA’s Risk Management Agency (RMA) is specifically for plants grown in fully enclosed controlled environments and provides coverage against plant diseases subject to destruction orders. Available beginning in the 2024 crop year, the Controlled Environment program provides a risk management resource for urban, specialty crop, and organic producers who often use controlled environments as a major part of their operations.

The Controlled Environment program is a dollar plan of insurance, which bases the insured’s guarantee on inventory values reported by the producer, and provides coverage against plant diseases when the plants must be destroyed under a federal or state destruction order.

The Controlled Environment program adds to two other federal insurance products available to nursery and innovative agricultural producers by providing benefits that are not available under the other programs, such as:

  • Offer coverage for all Controlled Environment plants, including cuttings, seedlings, and tissue culture.
  • Offer crop insurance coverage through a streamlined application and policy renewal process.
  • Offer new crop insurance coverage specific to the disease risk to plants in Controlled Environment operations.
  • Offer insurance for producer-selected plant categories for Controlled Environment that are not in other nursery insurance program.
  • Allow Controlled Environment operations to have single peril Controlled Environment insurance to be purchased as a standalone policy or in conjunction with other nursery insurance.

The first sales closing date is Dec. 1, 2023.

The Controlled Environment program will be available in select counties in Alabama, California, Colorado, Delaware, Florida, Hawaii, Iowa, Kentucky, Maine, Maryland, Michigan, Minnesota, New York, New Jersey, North Carolina, Ohio, Oregon, Pennsylvania, Tennessee, Texas, Utah, Virginia, Washington, West Virginia and Wisconsin. 

RMA is holding virtual and in-person informational sessions this month. Learn more.

Crop insurance is sold and delivered solely through private crop insurance agents. A list of crop insurance agents is available at all USDA Service Centers and online at the RMA Agent Locator. Learn more about crop insurance and the modern farm safety net at rma.usda.gov or by contacting your RMA Regional Office.


USDA Announces New Grapevine Insurance Program to Protect Against Natural Hazards 

USDA announced that it is expanding crop insurance options with a new Grapevine insurance program, which will provide coverage for loss of grafted vines caused by natural perils such as freeze or fire. The new program also will complement the Grape crop insurance program that covers the fruit growing on the vine.

The Grapevine insurance program is based on the Tree Based Dollar Amount of Insurance (TDO) Plan and includes an Occurrence Loss Option that provides coverage for smaller losses, at an additional premium, for producers with buy-up coverage.

It is classified as a “mortality policy,” paying losses when the vine is dead or so badly damaged it will not recover in the following 12 months. The program covers freeze, fire, hail, flood, and failure of the irrigation water supply caused by an unavoidable, naturally occurring event. Producers using Freeze Protection practices in their operation that are recognized by industry experts can also benefit from lower premium costs under the program.

The program will be available in select counties in California, Idaho, Michigan, New York, Ohio, Oregon, Pennsylvania, Texas, and Washington for the 2024 crop year. The deadline for signing up for insurance is Nov. 1, 2023.

More Information

Crop insurance is sold and delivered solely through private crop insurance agents. A list of crop insurance agents is available at all USDA Service Centers and online at the RMA Agent Locator. Learn more about crop insurance and the modern farm safety net at rma.usda.gov or by contacting your RMA Regional Office.


Farmers.gov - Your online hub for conducting business with USDA

Farmers.gov gives you one place to do business with USDA’s Farm Service Agency (FSA) and the Natural Resources Conservation Service (NRCS), including accessing your farm records, maps, and common land units. You can create a farmers.gov account for the farmers.gov authenticated site, where you can access self-service features through a secure login.

In addition to the self-service features farmers.gov website also has information on USDA programs, farm loans, disaster assistance, conservation programs and crop insurance.

What can you do with your farmers.gov account?

  • View FSA Farm loans including loan information, interest payments, loan advance and payment history, paid-in-full restructured loans, and account alerts.
  • View NRCS Disbursements and Farm Loans financial activity from the past 180 days.
  • View, print and export detailed farm records and farm/tract maps.
  • Export common land unit (field) boundaries as ESRI and GeoJSON file types.
  • Import precision agriculture planting boundaries, create labels containing crop information, and print both on farm tract maps.
  • Use the draw tools to determine acres in an area of interest that can be printed on a map and provided to a third party or exported as a feature file for use in other geospatial applications.
  • View, upload, download and e-sign NRCS documents.
  • Request conservation and financial assistance, including submitting a program application.
  • Access information on current and past conservation practices, report practice completion and request practice certification
  • View detailed information on previous and ongoing contracts, including the amount of cost- share assistance received and request contract modifications. 

How to create a farmers.gov account?

To create a farmers.gov account you will need:

  • A USDA individual customer record - A customer record contains information you have given to USDA to do business with them, like your name, address, phone number, and any legal representative authority relationships.
  • A login.gov account – Login.gov is a sign-in service that gives people secure online access to participating government programs.

Farm Service Agency
New York State Office

441 S. Salina St.
Syracuse, NY 13202

Phone: 315-477-6300
http://www.fsa.usda.gov/ny

State Executive Director:
Jim Barber

jim.barber2@usda.gov 

Farm Program Chief:
Jenifer Dean

jenifer.dean@usda.gov

Farm Loan Chief:
John Liddington

john.liddington@usda.gov

New York FSA State Committee

Norman Greig - Chairperson
Larry Eckhardt
Jill Gould
Julian Mangano
Michael McMahon


Current Interest Rates

Farm Storage Facility Loans:
3 yr - 4.625%​ ​
5 yr - 4.375%​ ​
7 yr - 4.375%​ ​​​
10 yr - 4.125%​ ​ ​​
12 yr - 4.125%​ ​
 ​

Commodity Loans: 6.375%

Farm Loan Programs:
Farm Operating: 5.250%
Farm Ownership: 5.250%
Conservation Loans: 5.250%
Direct Down Payment: 1.50%
Joint Financing: 3.250%

 

To find contact information for your local New York office click here.