Bank · FDIC insured
Citizens-Farmers Bank CD Rates
Citizens-Farmers Bank’s best CD rate is 3.79% APY on a 9-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Citizens-Farmers Bank’s CD rates compare
Compared with banks and credit unions in Missouri, where Citizens-Farmers Bank has the most branches. $10,000, best rate first.
This bank’s best
Citizens-Farmers Bank
3.79%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $283
Certificate of Deposit
Top rate
De Soto Mo Pac Credit Union
5.09%APY
- Term
- 12 months
- Minimum
- $5,000
- Earns on $10,000
- $509
2nd-highest rate
North American Savings Bank
5.00%APY
- Term
- 7 months
- Minimum
- $5,000
- Earns on $10,000
- $289
Citizens-Farmers Bank CD score
73
CD score
Higher than 34% of U.S. banks and credit unions
- 3–8 months3–8 mo1.51%
- 9–15 months9–15 mo3.79%
- 16–30 months16–30 mo3.28%
- 31–60 months31–60 mo2.77%
- QualifiedQualified3.79%
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-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.
Certificate of Deposit
Up to 3.79%APY · 10 terms
Interest is paid, or compounded, semi-annually. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.00% | $25 |
| 6 months | 1.51% | $75 |
| 9 months | 3.79% | $283 |
| 12 months | 3.63% | $363 |
| 18 months | 3.28% | $496 |
| 24 months | 3.02% | $613 |
| 30 months | 2.77% | $707 |
| 36 months | 2.77% | $854 |
| 48 months | 2.52% | $1,047 |
| 60 months | 2.52% | $1,325 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
IRA Certificate
3.04%APY · 1 term
Interest compounded monthly. Penalty for early withdrawal. Rates may change monthly. Available as Traditional, Roth, Education (Coverdell), and SEP IRA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsVariable rate | 3.04% | $459 |
Sources (2)
All captured Sep 17, 2026
Opening an account
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