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Start Online Training Today and Advance Your Career in the Water Industry
Water Education. Your Way.
Courses starting at $20

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RURAL WATER FINANCING AGENCY
Enabling Borrowers to Collaborate on Financing Governmental Projects
Ready to Fund Your Project? Let’s Get Started.
Interim Loan Program
Fast, Flexible Construction Financing with USDA Takeout
The Interim Loan Program is designed to provide short-term construction financing for governmental projects. Borrowers benefit from a fixed rate for the term of construction, with all costs built into the loan rate and interest capitalized throughout the process.
Key Features
- Streamlined, efficient application and documentation
- Fixed construction loan rate (estimate: 4.90% for 2 years*)
- Average Net Cost of Funds: 1.97%*
- USDA Takeout at project completion
- All costs included in the loan rate
- Available to governmental borrowers in all 50 states
Flex Term Program
Long-Term, Fixed-Rate Financing — No DSRF Required
The Flex Term Program offers AA- rated, tax-exempt financing solutions with flexible terms ranging from 1 to 30 years. Designed for a wide variety of governmental project types, the program avoids the costly compliance burdens often associated with federal funding.
Key Features
- AA- rated tax-exempt structure
- No Borrower Debt Service Reserve Fund (DSRF) required
- Fixed rates available for 1–30 years
- Funding typically provided within 90–120 days
- Exempt from BABAA, AIS, and Davis-Bacon requirements
- 1.20x Debt Service Coverage required
- Estimated fixed rates: 4.22% for 15 years, 4.81% for 30 years*
EXPO
Best Tasting Water
We are now accepting applications for the “Best Tasting Water” competition. The winner will be announced at the 2025 Expo. Please click this LINK for the application.
Operator of the Year
Any nominee must be a certified water and/or wastewater operator, please click this link for the form for complete requirements.








California Water Infrastructure
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SUSP Utility Services
SUSP (Support Utility Services Program) provides a wide range of support services to utility companies, including project management, regulatory compliance, and operational support. Their focus is on enhancing the efficiency and sustainability of utility operations, ensuring that services are delivered effectively and compliantly.
Insurance Programs
Employment Opportunities


CRWA’s Rachel Kennard Receives The Joe & Jean Palmer Endowment Scholarship
Congratulations to California Rural Water’s very own Rachel Kennard for being chosen to receive the Joe and Jean Palmer Scholarship award presented by National Rural Water Association. Rachel Kennard started with CRWA in August 2019. Prior to California Rural Water,...
THE WATER SHUTOFF PROTECTION ACT – SB 998
By James Ciampa, Lagerlof, Senecal, Gosney & Kruse, LLP Last year, the California Legislature passed, and Governor Brown signed into law, SB 998 – the Water Shutoff Protection Act (the “Act”), found at Health and Safety Code Sections 116900 et seq. SB 998 changes...
California Pines Community Services District Wins Bronze for Best Tasting Water!
California Rural Water Association Sacramento, CA – February 10, 2020 We are delighted to announce that California Pines Community Services District of Alturas California has medaled in the National Rural Water Association’s (NRWA) Great American Water Taste...