Bank · FDIC insured
Citizens and Farmers Bank CD Rates
Citizens and Farmers Bank’s best CD rate is 4.00% APY on a 13-month CD. Terms run from 7 months to 37 months. Rates checked October 22, 2026.
How Citizens and Farmers Bank’s CD rates compare
Compared with banks and credit unions near Richmond, VA, where Citizens and Farmers Bank has the most branches. $10,000, best rate first.
This bank’s best
Citizens and Farmers Bank
4.00%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $434
13-Month CD
Top rate
The United Methodist Credit Union
5.00%APY
- Term
- 8 months
- Minimum
- $5,000
- Earns on $10,000
- $331
2nd-highest rate
Langley Credit Union
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
Citizens and Farmers Bank CD score
80
CD score
Higher than 51% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.00%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.00%
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 Citizens and Farmers Bank 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.
13-Month CD
4.00%APY · 1 term
Penalty may be imposed for early withdrawal. Renews as a 13-month CD at the current board rate. Limited time offer.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsLimited time offer. Renews as a 13-month CD at the current board rate. Penalty for early withdrawal may apply | 4.00% | $434 |
Sources (1)
- cffc.com/13-month-cd · captured Oct 15, 2026
7-Month CD
3.75%APY · 1 term
No IRAs or SCM accounts. Penalty may be imposed for early withdrawal. Renews as a 7-month CD at current board rate. Limited time offer.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsNo IRAs or SCM accounts. Limited time offer. Renews as a 7-month CD at the current board rate. Early withdrawal penalty may apply | 3.75% | $217 |
Sources (1)
- cffc.com/7-month-cd · captured Oct 15, 2026
37-Month CD
3.00%APY · 1 term
Penalty may be imposed for early withdrawal. Renews as a 37-month CD at current board rate. Limited time offer.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 37 monthsLimited time offer. Renews as a 37-month CD at the current board rate. Penalty for early withdrawal may apply | 3.00% | $954 |
Sources (1)
- cffc.com/37-month-cd · captured Oct 15, 2026
Investors Choice 12-Month CD
3.00%APY · 1 term
Limited time offer. Account must be personal or business (no brokered deposits or CDs). You must have a loan, checking, savings, or money market account with us. Online opening not permitted. Minimum opening deposit is $5,000. You may withdraw once per calendar quarter without penalty; excess withdrawals may be penalized. A penalty applies if withdrawal occurs within the first six days after opening.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum opening deposit $5,000; maintain $5,000 balance to obtain APY | 3.00% | $300 |
Sources (1)
- cffc.com/investors-choice-12-month-cd · captured Oct 15, 2026
Special-purpose accounts
13-Month IRA CD
4.00%APY · 1 term
Penalty may be imposed for early withdrawal. Renews as a 13-month CD at the current board rate. Limited time offer.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsLimited time offer. Renews as a 13-month CD at the current board rate. Penalty for early withdrawal may apply | 4.00% | $434 |
Sources (1)
- cffc.com/13-month-cd · captured Oct 15, 2026
37-Month IRA CD
3.00%APY · 1 term
Penalty may be imposed for early withdrawal. Renews as a 37-month CD at current board rate. Limited time offer.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 37 monthsLimited time offer. Renews as a 37-month CD at the current board rate. Penalty for early withdrawal may apply | 3.00% | $954 |
Sources (1)
- cffc.com/37-month-cd · captured Oct 15, 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.