Bank · FDIC insured
Bank of 1889 CD Rates
Bank of 1889’s best CD rate is 3.78% APY on a 7-month CD. Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How Bank of 1889’s CD rates compare
Compared with banks and credit unions near Harrison, AR, where Bank of 1889 has the most branches. $10,000, best rate first.
This bank’s best
Bank of 1889
3.78%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $219
CD Options
Top rate
First Community Bank
4.45%APY
- Term
- 14 months
- Minimum
- $500
- Earns on $10,000
- $521
2nd-highest rate
Stone Bank
4.25%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $461
Bank of 1889 CD score
71
CD score
Higher than 28% of U.S. banks and credit unions
- 3–8 months3–8 mo3.78%
- 9–15 months9–15 mo2.77%
- 16–30 months16–30 mo2.52%
- 31–60 months31–60 mo2.01%
- QualifiedQualified3.78%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Bank of 1889 ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
CD Options
Up to 3.78%APY · 5 terms
All CD's are a minimum of $500 to open. Online Banking and Touch Tone Banking are available for our CD's. A penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsA penalty may be imposed for early withdrawal | 3.02% | $150 |
| 7 monthsA penalty may be imposed for early withdrawal | 3.78% | $219 |
| 12 monthsA penalty may be imposed for early withdrawal | 2.77% | $277 |
| 24 monthsA penalty may be imposed for early withdrawal | 2.52% | $510 |
| 36 monthsA penalty may be imposed for early withdrawal | 2.01% | $615 |
Sources (1)
- 1889.bank/CD-and-IRA · captured Sep 19, 2026
Special-purpose accounts
IRA CD
Up to 2.77%APY · 2 terms
Minimum to open: $500. If IRA balance is below $500, earns interest of regular savings account (currently 0.1% APY). Interest is accrued daily at current rate. A penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsIRA CD balance of $500 or more. Interest is accrued daily at current rate. A penalty may be imposed for early withdrawal | 2.77% | $277 |
| 24 monthsIRA CD balance of $500 or more. Interest is accrued daily at current rate. A penalty may be imposed for early withdrawal | 2.52% | $510 |
Sources (1)
- 1889.bank/CD-and-IRA · captured Sep 19, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.