Bank · FDIC insured
Farm Bureau Bank CD Rates
Farm Bureau Bank’s best CD rate is 4.10% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Farm Bureau Bank’s CD rates compare
Compared with banks and credit unions near San Antonio, TX, where Farm Bureau Bank has the most branches. $10,000, best rate first.
This bank’s best
Farm Bureau Bank
4.00%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $400
Certificate of Deposit [CD]
Top rate
BCU
4.30%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $540
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Farm Bureau Bank CD score
84
CD score
Higher than 67% of U.S. banks and credit unions
- 3–8 months3–8 mo3.70%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.85%
- 31–60 months31–60 mo3.25%
- 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 Farm Bureau 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 [CD]
Up to 4.00%APY · 8 terms
Interest is compounded daily and paid monthly. Early withdrawal penalties apply and may reduce earnings. Only withdrawals of interest credited are allowed prior to maturity. Automatically renewed at the current rate for the same term.
| Term | APY · $1,000 – $49,999 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 1.00% | — | 1.00% | $25 |
| 3 monthsJumbo CD tier | — | 1.10% | —1.10% from $50k | — |
| 6 months | 3.70% | — | 3.70% | $183 |
| 6 monthsJumbo CD tier | — | 3.80% | —3.80% from $50k | — |
| 12 months | 4.00% | — | 4.00% | $400 |
| 12 monthsJumbo CD tier | — | 4.10% | —4.10% from $50k | — |
| 18 months | 3.35% | — | 3.35% | $507 |
| 18 monthsJumbo CD tier | — | 3.45% | —3.45% from $50k | — |
| 24 months | 3.85% | — | 3.85% | $785 |
| 24 monthsJumbo CD tier | — | 3.95% | —3.95% from $50k | — |
| 36 months | 3.25% | — | 3.25% | $1,007 |
| 36 monthsJumbo CD tier | — | 3.35% | —3.35% from $50k | — |
| 48 months | 3.25% | — | 3.25% | $1,365 |
| 48 monthsJumbo CD tier | — | 3.35% | —3.35% from $50k | — |
| 60 months | 3.25% | — | 3.25% | $1,734 |
| 60 monthsJumbo CD tier | — | 3.35% | —3.35% from $50k | — |
Sources (2)
- farmbureau.bank/Personal/Perso…/Certificates-of-Deposit
- farmbureau.bank/Resources/Rates/Deposit-Rates
All captured Oct 3, 2026
Certificate of Deposit Account Registry Service [CDARS]
Up to 3.80%APY · 4 terms
Now part of IntraFi Network Deposits (CD Option). Offers FDIC insurance up to $50 million for deposit amounts over $250,000. Interest is compounded daily and paid monthly. Early withdrawal penalty may apply. Available to retail and business customers.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.50% | — |
| 12 months | 3.80% | — |
| 24 months | 3.80% | — |
| 36 months | 3.20% | — |
Sources (2)
- farmbureau.bank/Personal/Perso…/Certificates-of-Deposit
- farmbureau.bank/Resources/Rates/Deposit-Rates
All captured Oct 3, 2026
CD with Step-Up Option
Up to 3.65%APY · 6 terms
Allows for a one-time rate increase to a Step-Up CD of the same term. Interest is compounded daily and paid monthly. Early withdrawal penalties apply and may reduce earnings. Only withdrawals of interest credited are allowed prior to maturity. Automatically renewed at the current rate for the same term.
| Term | APY · $1,000 – $49,999 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months | 3.65% | — | 3.65% | $365 |
| 12 monthsJumbo CD tier | — | 3.75% | —3.75% from $50k | — |
| 18 months | 3.10% | — | 3.10% | $469 |
| 18 monthsJumbo CD tier | — | 3.20% | —3.20% from $50k | — |
| 24 months | 3.60% | — | 3.60% | $733 |
| 24 monthsJumbo CD tier | — | 3.70% | —3.70% from $50k | — |
| 36 months | 3.00% | — | 3.00% | $927 |
| 36 monthsJumbo CD tier | — | 3.10% | —3.10% from $50k | — |
| 48 months | 3.00% | — | 3.00% | $1,255 |
| 48 monthsJumbo CD tier | — | 3.10% | —3.10% from $50k | — |
| 60 months | 3.00% | — | 3.00% | $1,593 |
| 60 monthsJumbo CD tier | — | 3.10% | —3.10% from $50k | — |
Sources (2)
- farmbureau.bank/Personal/Perso…/Certificates-of-Deposit
- farmbureau.bank/Resources/Rates/Deposit-Rates
All captured Oct 3, 2026
Special-purpose accounts
IRA CD
Up to 4.00%APY · 7 terms
Only available for 6-month to 5-year terms. Only withdrawals of interest credited and IRA required minimum distributions (RMD) are allowed prior to maturity date. Available to retail customers only.
| Term | APY · $1,000 – $49,999 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.70% | — | 3.70% | $183 |
| 6 monthsJumbo CD tier | — | 3.80% | —3.80% from $50k | — |
| 12 months | 4.00% | — | 4.00% | $400 |
| 12 monthsJumbo CD tier | — | 4.10% | —4.10% from $50k | — |
| 18 months | 3.35% | — | 3.35% | $507 |
| 18 monthsJumbo CD tier | — | 3.45% | —3.45% from $50k | — |
| 24 months | 3.85% | — | 3.85% | $785 |
| 24 monthsJumbo CD tier | — | 3.95% | —3.95% from $50k | — |
| 36 months | 3.25% | — | 3.25% | $1,007 |
| 36 monthsJumbo CD tier | — | 3.35% | —3.35% from $50k | — |
| 48 months | 3.25% | — | 3.25% | $1,365 |
| 48 monthsJumbo CD tier | — | 3.35% | —3.35% from $50k | — |
| 60 months | 3.25% | — | 3.25% | $1,734 |
| 60 monthsJumbo CD tier | — | 3.35% | —3.35% from $50k | — |
Sources (2)
- farmbureau.bank/Personal/Perso…dual-Retirement-Accounts
- farmbureau.bank/Resources/Rates/Deposit-Rates
All captured Oct 3, 2026
IRA CD Step Up Option
Up to 3.65%APY · 6 terms
Only available for 6-month to 5-year terms (with offered terms from 1 year to 5 years). Allows for a one-time rate increase to a Step-Up CD of the same term. Only withdrawals of interest credited and IRA required minimum distributions (RMD) are allowed prior to maturity date. Available to retail customers only.
| Term | APY · $1,000 – $49,999 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months | 3.65% | — | 3.65% | $365 |
| 12 monthsJumbo CD tier | — | 3.75% | —3.75% from $50k | — |
| 18 months | 3.10% | — | 3.10% | $469 |
| 18 monthsJumbo CD tier | — | 3.20% | —3.20% from $50k | — |
| 24 months | 3.60% | — | 3.60% | $733 |
| 24 monthsJumbo CD tier | — | 3.70% | —3.70% from $50k | — |
| 36 months | 3.00% | — | 3.00% | $927 |
| 36 monthsJumbo CD tier | — | 3.10% | —3.10% from $50k | — |
| 48 months | 3.00% | — | 3.00% | $1,255 |
| 48 monthsJumbo CD tier | — | 3.10% | —3.10% from $50k | — |
| 60 months | 3.00% | — | 3.00% | $1,593 |
| 60 monthsJumbo CD tier | — | 3.10% | —3.10% from $50k | — |
Sources (2)
- farmbureau.bank/Personal/Perso…dual-Retirement-Accounts
- farmbureau.bank/Resources/Rates/Deposit-Rates
All captured Oct 3, 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.