Bank · FDIC insured
Farmers & Merchants Bank CD Rates
Top CarrotFarmers & Merchants Bank’s best CD rate is 4.37% APY on a 3-year CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Farmers & Merchants Bank’s CD rates compare
Compared with banks and credit unions in Kansas, where Farmers & Merchants Bank has the most branches. $10,000, best rate first.
This bank’s best
Farmers & Merchants Bank
4.37%APY
- Term
- 36 months
- Minimum
- —
- Earns on $10,000
- $1,369
Certificates of Deposit (CDs)
Top rate
Community National Bank
5.09%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,818
2nd-highest rate
Grant County Bank
4.69%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,576
Farmers & Merchants Bank CD score
95
CD score
Higher than 97% of U.S. banks and credit unions
- 3–8 months3–8 mo4.06%
- 9–15 months9–15 mo4.16%
- 16–30 months16–30 mo4.27%
- 31–60 months31–60 mo4.37%
- QualifiedQualified4.37%
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 Farmers & Merchants 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.
Harvest CD Special
4.58%APY · 1 term
Offer valid October 13, 2026 - November 18, 2026. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsOffer valid October 13, 2026 - November 18, 2026. Penalty for early withdrawal | 4.58% | $695 |
Sources (2)
All captured Oct 15, 2026
Certificates of Deposit (CDs)
Up to 4.37%APY · 7 terms
Penalty with early withdrawal. APY = Annual Percentage Yield. Rates may change after the account is opened. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPenalty with early withdrawal | 4.06% | $100 |
| 6 monthsPenalty with early withdrawal | 4.06% | $201 |
| 12 monthsPenalty for early withdrawal | 4.16% | $416 |
| 24 monthsPenalty for early withdrawal | 4.27% | $872 |
| 36 monthsPenalty with early withdrawal | 4.37% | $1,369 |
| 48 monthsPenalty with early withdrawal | 4.37% | $1,866 |
| 60 monthsPenalty with early withdrawal | 4.37% | $2,384 |
Sources (3)
- fmbmilligan.com
- fmbmilligan.com/accounts/certi…ates-of-deposit-cds.html
- fmbmilligan.com/services-tools/tools/rates.html
All 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.