The need for ag immigration reform Teacher of the Year
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VOLUME 10 ISSUE 3
Ag immigration reform by Gregg Patterson
Farm Bureau Perspective by Randy Veach Faces of Agriculture — Lori Rooney by Ken Moore Policy Update by Michelle Kitchens Spotlight on Youth — Norfork FFA builds chicken tractors by Ken Moore Rural Reﬂections Photo On the cover — Immigration reform is a major national issue Congress is debating now. American agriculture — one of this country’s and the world’s greatest strengths — depends on immigrant labor for its sustainable success. Whether you realize it or not, the affordable food on your table is directly tied to immigrant labor. It’s time for efﬁcient ag immigration reform to keep American farming and ranching strong. Photo credit: Keith Sutton
Executive Editor: Steve Eddington Editor: Gregg Patterson Contributing Writers: Ken Moore, Keith Sutton, Chris Wilson Research Assistant: Brenda Gregory
3 18 22 26 28
is an official publication of Arkansas Farm Bureau Federation. Arkansas Agriculture is distributed to almost 42,000 farming and ranching households in Arkansas. SUBSCRIPTIONS: Included in membership dues. Arkansas Farm Bureau Officers: President Randy Veach Manila Vice President Rich Hillman Carlisle Secretary/Treasurer Tom Jones Pottsville Executive Vice President Ewell Welch Little Rock Directors: Richard Armstrong, Ozark Troy Buck, Alpine Jon Carroll, Moro Joe Christian, Jonesboro Terry Dabbs, Stuttgart Mike Freeze, England Bruce Jackson, Lockesburg Tom Jones, Pottsville Johnny Loftin, El Dorado Gene Pharr, Lincoln Rusty Smith, Des Arc Allen Stewart, Mena Mike Sullivan, Burdette Leo Sutterfield, Mountain View Ex Officio Sherry Felts, Joiner Brent Lassiter, Newport Janice Marsh, McCrory Brian Walker, Horatio Arkansas Agriculture is published quarterly by the Arkansas Farm Bureau Federation, 10720 Kanis Road, Little Rock, AR 72211. POSTMASTER: Send address changes to Arkansas Agriculture, P.O. Box 31, Little Rock, AR 72203. Issue #30.
Perspective by Randy Veach, President Arkansas Farm Bureau
Reforming our broken immigration system
There are so many confusing, frustrating and sometimes emotional issues
surrounding our nation’s immigration system. We’re a nation of immigrants, of course, but the challenges of today’s world make our present system almost obsolete. Just about everyone agrees the system is broken. Immigration reform is critical for agriculture, as you most certainly know. It’s
imperative the guest-worker program be reformed. The challenge of getting legal workers on our farms today has become so daunting it’s strangling many of our farms and ranches.
This is a sticky wicket, of course. Where to start? Deal with the illegals here now?
Secure the border? Define a path to legal citizenship? Pass laws making it easier to gain access to workers legally? The answer is a comprehensive bill addressing all these issues. The U.S. Senate passed S. 744, “The Border Security, Economic Opportunity, and Immigration Modernization Act of 2013,” back in June. Farmers and ranchers welcomed it. Passage of the Senate bill was the first step toward securing a comprehensive agricultural labor plan that works for all sectors of agriculture and across all regions of our nation. The Senate-passed bill would help ensure an adequate supply of farm labor. It also could provide increased surveillance of high-risk areas along our borders. We need the House of Representatives to bring its proposal to the table. If, and when, the House passes something, the real debate can begin as they try to reach common ground on those two pieces of legislation. Let me be clear. Our first priority should be to enforce the laws we have on the
Publisher assumes no responsibility for any errors or omissions. All rights reserved. Reproduction without permission is prohibited.
books now. If we’re able to pass new immigration laws, but don’t enforce them any
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so. It must be an enforcement priority and a critical part of any immigration reform.
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better than the ones we now have, we’ll have done nothing. Border security will occupy much of the discussion on this issue, and rightfully But know there is far more to border security than fencing. We must continue to drive home the point that one of the best ways to improve border security is to create a legal, workable way for farm workers to enter our country. With less time and resources wasted locking up lettuce harvesters, the focus can shift to where it properly belongs – keeping those with criminal intentions out of our country. Although the specific labor needs of farmers in Arkansas differ from those in Texas, Florida or Michigan, all of agriculture benefits from ag immigration reform.
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Helping members of Congress and the public understand farmers and ranchers depend on the workers who show up every day to tend our crops and raise livestock has been challenging at times. However, we press on because we know responsible immigration reform is imperative for the continued success of American agriculture.
Ag immigration reform
Maintaining the hidden workforce essential to food production
by Gregg Patterson Immigration reform is one of Congress’ hot-button issues.
The use of seasonal immigrant workers is essential to many business sectors of the American economy, maybe more so to agriculture than any other. Congress is presently debating what an immigration reform bill will consist of. With that in mind, Arkansas Agriculture talked with Kim Matthews and Jon Carroll. Kim and husband Terris of Wynne depend on immigrant labor to farm sweet potatoes, as does Arkansas Farm Bureau Board member Jon Carroll, a row-crop farmer from Moro. Explain your operation and how you use migrant workers? Matthews: “We grow around 1,400 acres of sweet potatoes. Sweet potatoes are a very labor intensive crop during planting and harvesting. We employ 35 to 40 people year-round. However, during planting season, we need an additional 40, and during harvest an additional 110 people. That consists of about six weeks for planting and eight weeks for harvest. You can’t find that much of an additional labor force to perform such hard manual labor for that short a period of time. That is the reason we turned to the H2A labor program (immigrant workers) as a supplement during those 14 to 16 weeks during the year. We wouldn’t be able to plant and harvest our crops without them. The local workforce just won’t do it.” Carroll: “I own and farm an east Arkansas row-crop operation. We use our migrant workers in all aspects, including field prep, planting, watering, harvesting, mechanic work and any other general maintenance of the farm.”
Strong bond The bond between American farmers and immigrant farm workers is strong. Many farmers and ranchers depend on immigrant labor to be successful. Workers depend on the farm jobs to support their families and to improve their standing in life. Carlos Tinajero (left) works on the farm of Arkansas Farm Bureau state board member Jon Carroll (right).
One potato, two potato, three potato, four ... Kim Matthews (inset) of Matthews Ridgeview Farms in Wynne says it’s important for people to “stop assuming and educate themselves” when it comes to immigration reform. Here, workers sort sweet potatoes on the Matthews’ farm.
James Groves photos
What would your operation
workers $2.50 more an hour than the next
Matthews: “Stop assuming and
have to do without migrant
farmer who is using illegals, it makes it
actually educate themselves. Truthfully,
very hard to compete with him when we’re
most people don’t want to move past it or
Matthews: “We would have three
selling our products. He has a huge cost
know the truth, because they’ll lose their
options without migrant workers: 1. Shut
advantage over us. This is happening all
excuse for not working. It’s easy to throw
our operation down; 2. Cut back to around
over the U.S. in every industry out there.”
stones when you’re sitting on your couch.”
200 acres of sweet potatoes and have a vast Carroll: “I think we need to educate
amount of unhappy customers whom we’ve
Carroll: “The current H2A paperwork
worked so hard to build relationships with;
process is expensive and time consuming.
the public on the importance of immigrant
Or 3, take the huge risk of using illegal
The uncertainty of getting approved and
workers in the agriculture industry and
immigrants, which we will not do! We
getting workers when I have to have them is
support proper channels of legalization for
made the decision several years ago that we
would do things the right way and build our business with honesty and integrity, so #3 is just not an option for us.”
Why don’t you use American workers? Matthews: “We do use American
Carroll: “My operation probably
workers. We’ll always hire an American
How should organizations like Farm Bureau implement our position on immigration? Matthews: “I’m not sure. But the more
wouldn’t exist without immigrant workers.
worker if they want to work. We hire
you educate yourselves on all the rules and
Or at least the amount of acres I farm
American workers almost every day,
regulations of the program we’re currently
would have to decrease drastically.
because the majority of them quit the first
using, the more you’ll be able to work to
Dependable local labor is hard to find.”
week because the work is too hard, or they
help improve it. You should talk with as
only want to work certain days or simply
many H2A program users across the U.S.
that we actually expect them to work and
as you can, so you can understand every
not just show up.
pro and con in the program.”
Why does agriculture need a workable guest worker program? Matthews: “Because contrary to what
Our values and work ethic in this Carroll: “We must focus on some
you hear from the media and public forums,
country are the worst thing I’ve ever
the immigrant workers aren’t taking
seen. Everyone feels they’re entitled and
commonsense initiatives that begin to
Americans’ jobs. They’re simply performing
don’t want to work for anything. I’ve had
address the practical challenges of our
jobs that American workers don’t want to
applicants actually tell me they didn’t
immigration system. The key is to begin
do and actually refuse to do. We experience
want the job, because it would mess up
by working on the solutions on which we
this on a daily basis with local applicants.”
their unemployment (benefits)! As long
can all agree, rather than insisting on a
as the government continues to patronize
comprehensive approach that divides us.”
Carroll: “Agriculture needs a workable
this current and upcoming work force with Is a compromise approach to
guest worker program to be able to feed
free everything, and not even give them
the world. The work is seasonal, and
an incentive to get a job, I truly believe
the immigration issue the only
local people who would be interested
the U.S. will be starving to death within
and qualified are looking for year-round
the next 10 years. It’s hard to explain
to people that the grocery stores don’t
on exactly what we’re compromising
make their food. Until this reality hits
on. I know you can’t compromise on the
home with the majority of the population,
fact that people can’t live without food,
nothing will change.”
and that without farmers there will be
What do you see as the worker difficulties with the current H2A program? Matthews: “It’s very costly with all the
Matthews: “I guess that would depend
no food. The White House garden can’t Carroll: “I don’t use American
supply enough food for the White House.
fees, fines, regulations and extremely high
workers at this time, because no
You need to keep farmers farming or this
wage rate. Each year, more fees are imposed,
qualified, dependable or willing workers
country will collapse, no ifs, ands, or buts
the process gets harder, and the wage rate is
are available for farm labor, which is
about it! My concern is an enforcement
raised. Our government has made it difficult
only approach would intensify our difficulties. That wouldn’t be helpful.
and costly for agriculture to survive in this current climate — at least if you’re working
How does our society move
through the system and doing everything
past the polarizing view of
legally. If I’m working H2A and paying my
We must have a workable guest worker program.”
Feed the need Most farming and livestock operations require a steady influx of immigrant labor to begin the process of getting food to your grocery store. If you eat and enjoy the benefits of the worldâ€™s most affordable food supply, then agriculture immigration reform is important to you whether you realize it or not.
Carroll: “A compromise approach may
Do you think the present laws
Carroll: “E-Verify has some good
not be the only successful path. However, a
regarding immigration are working?
aspects, but it makes the farmer the police
compromise would be better than not doing
How would you change them?
of immigrants who are illegal. That should
anything at all. Enforcement only isn’t the
Matthews: “The laws are working. The
be the government’s job.”
government has just made it too costly for a
answer.” What are the three top issues surrounding immigration reform?
lot of the farmers to use it. That’s why some
Without a workable guest
farmers are taking the risk of using the illegal
worker program, what will the
results be for agriculture? Matthews: “The general population
Matthews: “Wages, prevailing vs. adverse. Will the reform actually keep
Carroll: “There needs to be some easier
will starve to death! The farmers will
workers in the agricultural sector? And for
process that a farmer can use to assure workers
grow food for their families and put the
me, my concern is will these workers become
are available when needed. One suggestion
rest of their acres in non-labor intensive
Americanized and become just as non-willing
would be a three-to-five year approval for proven
crops that will generate income but not
to work as the current American work force
and law-abiding workers.”
necessarily be for human consumption.”
we have now?” What is your opinion on E-Verify? Carroll: • “Securing our borders and stopping the flow of illegal traffic,
worker program in agriculture, it’ll be very
immigration police? If E-Verify becomes
difficult to sustain the production of food
mandatory, then I personally think it should be
we all enjoy and take for granted.”
• Getting in place and insisting on
enforced to the fullest in every state, so at least
proper channels for legalization,
we’d all be on a level playing field on our input
• A farmer friendly H2A program.”
Carroll: “Without a workable guest
Matthews: “Why should I be the
Tough work Immigrant farm workers are not taking jobs away that would otherwise go to American workers. Even with the greatest economic recession since The Great Depression of the 1930s, Americans predominantly shy away from the physical work, long hours and seasonal nature of farm work.
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arm Bureau members have the opportunity to spotlight their creativity, their perception and their flair for the dramatic — or the comical or even the tragic — in our fifth Rural Reflections Photo Contest. This competition offers amateur photographers the chance to explore the many activities, seasons, triumphs, disappointments and faces of agriculture, our state’s key industry. The photos that win this competition will capture the image and spirit of agriculture, and Farm Bureau, in Arkansas. The contest includes two divisions, High School (ages 14–18) and Adult (19 and older). The winner of each receives $250. In addition, one entry will receive a Grand Prize of $500. The winners and honorable mentions may have their works published, with credit, in Front Porch and Arkansas Agriculture magazines, on Farm Bureau’s website, arfb.com, and in other publications.
Faces of Agriculture by Ken Moore
Teacher leads Ag in the Classrom efforts
Lori Rooney, a family and consumer-
science teacher at South Side Bee Branch High School in Van Buren County, is Arkansas Farm Bureau’s 2013 Ag in the Classroom Outstanding Teacher. Rooney was recognized during a special ceremony at the school.
Farm Bureau established the award
in 2006 to recognize teachers who have exemplary programs that integrate agricultural concepts into their curricula. Rooney graduated from the University of Central Arkansas in 2009 with a Bachelor of Science in Education degree in Family and Consumer Science and is working on a graduate degree in library Keith Sutton
media technology. She joined the high school faculty at South Side Bee Branch in 2011. As part of her curriculum, Rooney teaches agricultural concepts in her classes on food and nutrition, career orientation, human relations, nutrition and wellness, and child development.
Top teach Lori Rooney, a teacher at South Side Bee Branch High School, is Farm Bureau’s Ag in the Classroom Outstanding Teacher of the Year.
“It is extremely important to educate young people, especially high school students, about produce, meats, dairy and
these is Van Buren County Farm Bureau’s
different fibers and where they come
different aspects of agriculture,” Rooney
Holiday Menu contest. As part of the
from, including natural fibers such as
said, “because it plays such a big role in
contest, the students had to shop for
cotton and wool.
our lives every day. High school students
healthy, nutritious foods incorporated
are at the prime age to make decisions
into a holiday meal on a budget.
about what foods to eat, their nutrition
Because most of Rooney’s lessons
Principal Tim Smith says Rooney has all the qualities of a “great educator.” Amy Hutto, library media specialist, says
and the habits they will create as they
incorporate experiential learning, they’re
Rooney has, “spent much time and energy
covered in the Common Core Curriculum
breathing new life into the school’s Family
Standards. In the clothing segment
and Consumer Science program. A major
a number of activities that teach them
of Family and Consumer Science, the
component of that has been her passion
about agricultural economics. One of
students discuss the production of clothes,
Rooney’s students are involved in
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Rural Reflections Photo Contest 2013
ront Porch’s fourth Rural Reflections Photo Contest offers amateur photographers the chance to explore the many activities, seasons, triumphs, disappointments and faces of agriculture, our state’s key industry. The photos that win this competition will capture the image and spirit of agriculture, and Farm Bureau, in Arkansas. The contest includes two divisions, High School (ages 14–18) and Adult (19 and older). The winner of each receives $250. In addition, one entry will receive a Grand Prize of $500. The winners and honorable mentions may have their works published, with credit, in Front Porch and Arkansas Agriculture magazines, on Farm Bureau’s website, arfb.com, and in other publications.
$1,000 in prizes. Complete contest rules at: www.arfb.com/get-involved/contests
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Singing the Blueway blues by Michelle Kitchens
The White River watershed covers
27,900 square miles in Missouri and Arkansas. In Arkansas, the watershed stretches east to west from Jonesboro to Fayetteville flowing downstate until it joins the Mississippi River in Desha County. Approximately 1.2 million people
What farmers should discuss is the future
live in the watershed.
of managing water or other resources.
Last summer, several conservation
The National Blueway System was
The White River National Blueway designation played into that stereotype. The nomination had little to no input
and wildlife groups partnered with state
created in May 2012 by the DOI. By
from agriculture, but more than half of
and federal agencies to apply to the U.S.
definition a National Blueway is a “. . .
its “strategic objectives” were agriculture-
Department of the Interior (DOI) to
national and regionally significant river
related. The document also referenced
designate the White River Watershed as
and their watersheds that are highly valued
undocumented “challenges” to this
a National Blueway. That designation
recreational, social, economic, cultural, and
designation such as:
was officially announced by the DOI
ecological assets for the communities that
last January. However, the designation
depend on them.”
left many landowners in the watershed
The goal of the National Blueway
• “Agriculture-related genetic pollution;” • “Agricultural practices that negatively
with questions and concerns. Lack of
System was a holistic approach for the
landowner support and letters from
benefit of the watershed, its many uses
Arkansas’ U.S. Senators requesting the DOI
and to increase cooperation among
rescind the designation were too much
stakeholders and agencies throughout the
agricultural users that adversely affects
to overcome. Additionally, requests from
watershed. Another goal was increasing
the original nominators to rescind the
public awareness that what happens
Blueway designation resulted in it being
upstream impacts those downstream and
officially withdrawn by the DOI on July
vice versa. The program’s design was to be
aimed to make several changes to
3. The federal agency then decided to
based on voluntary participation with no
agricultural-related activities. While the
mothball the program, nationwide, on
impeding of water or property rights.
nomination didn’t vehemently attack
However, environmental regulation
affect water quality;” • “Over consumption of water by …
The goals outlined by this nomination
agriculture, almost every mention of
pressures continue to mount on farmers.
farming spoke of it as an obstacle to
National Blueway designation of the White
Giving special recognition to waterways
overcome in the watershed. The truth is
River didn’t inspire confidence, it’s a
provides an opportunity for those
farmers and ranchers partner regularly with
worthwhile topic to explore. Landowners
wishing to restrict all agriculture practices.
wildlife and conservation groups for to
didn’t embrace the idea for many reasons:
Landowners worry that voluntary programs
better the environment. That relationship,
lack of initial input, apprehension of
will become mandatory, and they’ll have
of course, shouldn’t automatically be
federal designations or other objections.
While the process surrounding the
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TASTE ArkAnsAs.com from farm to table
Offer ends September 30, 2013
Food, like nothing else, brings us together. After all, everyone eats. On Taste Arkansas, a food blog by Arkansas Farm Bureau, this simple truth is connecting those interested in food production with the farmers and ranchers who provide us with an abundance of Arkansas agricultural products.
www.kubota.com ©Kubota Tractor Corporation, 2013
*$0 down, 0% A.P.R. financing for up to 60 months on purchases of new Kubota BX, B, L, M and TLB Series equipment is available to qualified purchasers from participating dealers’ in-stock inventory through 9/30/2013. Example: A 60-month monthly installment repayment term at 0% A.P.R. requires 60 payments of $16.67 per $1,000 financed. 0% A.P.R. interest is available to customers if no dealer documentation preparation fee is charged. Dealer charge for document preparation fee shall be in accordance with state laws. Inclusion of ineligible equipment may result in a higher blended A.P.R. Not available for Rental, National Accounts or Governmental customers. 0% A.P.R. and low-rate financing may not be available with customer instant rebate offers. Financing is available through Kubota Credit Corporation, U.S.A., 3401 Del Amo Blvd., Torrance, CA 90503; subject to credit approval. Some exceptions apply. Offer expires 9/30/2013. See us for details on these and other low-rate options or go to www.kubota.com for more information. **Optional equipment may be shown.
Arkansas Farm and Ranch Families Provideâ€Ś Safe, affordable food
24% of Arkansas Jobs
75% of Wildlife Habitat
Meet Lacy Glover
Former Miss Arkansas and Spokesperson for the Arkansas Foundation for Agriculture
While Protecting the Environment
Foundation for Agriculture
TASTE ArkAnsAs.com from farm to table
Food, like nothing else, brings us together. After all, everyone eats. On Taste Arkansas, a food blog by Arkansas Farm Bureau, this simple truth is connecting those interested in food production with the farmers and ranchers who provide us with an abundance of Arkansas agricultural products.
One thing will always be true about farming:
Conditions change. From weather, to soil, to technology, you have a lot to keep up with. Thankfully, you’ve got real insurance that keeps up with you. If there’s anything you need to know, just call us. You’ll always have questions. Your Farm Bureau agent always has answers.
Farm Bureau Mutual Insurance Company of Arkansas, Inc. Southern Farm Bureau Casualty Insurance Company Southern Farm Bureau Life Insurance Company, Jackson MS
ArkAnsAs-grown insurAnce for ArkAnsAs growers
Norfork FFA builds chicken tractors Chicken train Norfork High School FFA chapter members with one of the 15 portable chicken tractor/houses they built to donate to local families. (Left to right) Jami Barnett, Marissa Greer, Jordan Teegarden, Railyn Stokes, Jacob McGowan, Tyler Reaves. by Ken Moore
Members of the Norfork High School
us eggs and fresh meat are things they don’t
for the families to borrow to fertilize the
of giving needy families some chickens and
eggs in the event they want to raise their
educating them about how to feed and
FFA chapter in Baxter County wanted to
care for them, so they would have a steady
do something different and sustainable for
supply of eggs,” Martin said.
their project as part of the National FFA’s
The chapter also will provide a rooster
get a lot of. So, we came up with the idea
Rather than build traditional,
Martin explained their program this way. “Rather than just giving the family fish
permanent chicken coops to house the
(so to speak), we will be teaching them
How about a “chicken tractor”?
hens, the students came up with the
to fish, or in this case, raise laying hens,
After researching different concepts on
concept of constructing the “tractors.”
by writing and delivering educational
Food for All program.
the web, the 40 students in Leanna Martin’s chapter decided on building the portable
Chapter president Tyler Reaves said there are several reasons for this.
pamphlets each month on such topics as good nutrition, how to deal with potential
“These 5.5-foot x 8-foot A-frame units
diseases, predator control, etc.,” he said.
families the opportunity to raise egg-laying
are designed to be portable and allow the
“There are a lot of families here that
chickens to free range, cutting down on the
live on a restricted food budget and would
cost of feed requirements,” Reaves said.
benefit from being able to produce their
chicken houses as a means of giving area
“The National FFA introduced the program last year, and our chapter decided
“We will supply each family that
own eggs, so we expect to receive a number
to participate, but we wanted to do
qualifies for a unit with two hens to get
of applications for the tractors,” chapter
something unique,” said Martin, vo-ag
started. Each tractor includes a small
member Railyn Stokes said.
instructor and FFA advisor for the school.
roosting and nesting area for the chickens
Other FFA students involved with the
to sleep and lay their eggs in. They are on
project include Jami Barnett, Marissa Greer,
obtained a $2,500 grant from the national
wheels and designed so two people can
Jacob McGowan and Jordan Teegarden.
organization which supplied funds for
move the units around their yard to new
construction of 15 units.
The Norfork chapter applied for and
“We brainstormed and talked to the operators of the local food bank. They told
The students came up with a design that costs only $150 per unit to build.
“I’m very proud of how they came up with this design and tackled the project with such enthusiasm,” Martin said.”
Part of national ‘Food for All’ program
Shadow cowboy Farm Bureau member Lisa Driggers of Pearcy shot this striking silhouette.
Committed. Strong. reliAble. truSted. member-owned. Farm Creditâ€™s more than 10,000 customer-owners across Arkansas include rural home owners, row crop farmers, livestock operations, local food farmers, and full and part-time farmers. With $2.8 billion in assets, Arkansas Farm Credit associations serve agriculture, our communities and the rural lifestyle. Members enjoy unique benefits like patronage refunds totaling more than $122 million since 1997. Are you Farm Credit?
PRESORTED STANDARD U.S. POSTAGE PAID LITTLE ROCK, AR PERMIT NO. 1884
Cut Your rate With a Farm Bureau Bank equipment Loan! Purchase or refinance the agricultural or commercial equipment you need today to grow your business for the future. Plus take advantage of your membership with dedicated service, special rates, flexible terms and payment plans up to 7 full years. We make financing easy!
Contact your local Arkansas Farm Bureau agent or visit farmbureaubank.com Existing Farm Bureau Bank equipment loans are excluded from this offer. *Rate disclosed as Annual Percentage Rate (APR) and based on exceptional credit. Some restrictions may apply based upon the make and model of the equipment offered as collateral. Up to 90% financing for new and 85% for used equipment loans subject to credit approval. Rate are accurate as of 6/1/2013. Rates and financing are limited to equipment model years 2003 or newer and are subject to change without notice. A down payment may be required for new or used equipment purchases. Financial information required for loans over $50,000. Commercial vehicles and trailers may be subject to an additional documentation fee. Farm Bureau Bank does not provide equity or cash out financing on commercial vehicles and equipment. Banking services provided by Farm Bureau Bank, FSB. Farm Bureau, FB, and the EQUAL HOUSING LENDER FB National Logo are registered service marks owned by, and used by Farm Bureau Bank FSB under license from, the American Farm Bureau Federation.