Bank · FDIC insured
Farmers Bank & Trust CD Rates
Farmers Bank & Trust’s best CD rate is 3.85% APY on a 13-month CD. Terms run from 5 months to 13 months. Rates checked October 22, 2026.
How Farmers Bank & Trust’s CD rates compare
Compared with banks and credit unions in Arkansas, where Farmers Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
Farmers Bank & Trust
3.85%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $418
Certificate of Deposit (CD)
Top rate
Hurricane Creek Federal Credit Union
4.50%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $450
2nd-highest rate
Arkansas Federal Credit Union
4.50%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $450
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit (CD)
Up to 3.85%APY · 3 terms
CD interest is compounded monthly and credited to the account monthly. Subject to early withdrawal penalties. Interest can be added back to the CD or deposited to a Farmers Bank & Trust checking or savings account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 0 monthsPenalty may be imposed for early withdrawal. Additional requirements may apply | 1.75% | $3 |
| 5 monthsPenalty may be imposed for early withdrawal. Additional requirements may apply | 3.65% | $150 |
| 13 monthsPenalty may be imposed for early withdrawal. Additional requirements may apply | 3.85% | $418 |
Sources (1)
- myfarmers.bank/personal/banking/cds-&-iras · captured Oct 22, 2026
Special-purpose accounts
IRA Certificate of Deposit (CD)
Up to 3.85%APY · 2 terms
IRA interest is compounded daily and credited to the account quarterly. Subject to early withdrawal penalties. Traditional IRA offers tax-deferred growth; Roth IRA offers after-tax contributions and potential tax-free qualified withdrawals. Eligibility, contribution, distribution and tax rules apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsPenalty may be imposed for early withdrawal. Additional requirements may apply | 3.65% | $150 |
| 13 monthsPenalty may be imposed for early withdrawal. Additional requirements may apply | 3.85% | $418 |
Sources (1)
- myfarmers.bank/personal/banking/cds-&-iras · captured Oct 22, 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.