Bank · FDIC insured
Farmers Bank CD Rates
Farmers Bank’s best CD rate is 3.95% APY on a 1-year CD. Terms run from 3 months to 4 years. Rates checked October 22, 2026.
How Farmers Bank’s CD rates compare
Compared with banks and credit unions near Twin Falls, ID, where Farmers Bank has the most branches. $10,000, best rate first.
This bank’s best
Farmers Bank
3.95%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $395
Certificates of Deposit
Top rate
Mountain America Credit Union
4.50%APY
- Term
- 24 months
- Minimum
- $5
- Earns on $10,000
- $920
2nd-highest rate
ICCU
4.30%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,343
Farmers Bank CD score
87
CD score
Higher than 77% of U.S. banks and credit unions
- 3–8 months3–8 mo3.90%
- 9–15 months9–15 mo3.95%
- 16–30 months16–30 mo3.80%
- 31–60 months31–60 mo3.90%
- QualifiedQualified3.95%
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 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.
Certificates of Deposit
Up to 3.95%APY · 8 terms
Substantial penalty is imposed on early withdrawals. APY assumes interest will remain on deposit until maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.60% | $89 |
| 6 monthsIncludes Accumulator | 3.90% | $193 |
| 12 months | 3.95% | $395 |
| 18 months | 3.80% | $575 |
| 24 months | 3.80% | $774 |
| 30 months | 3.80% | $977 |
| 36 months | 3.80% | $1,184 |
| 48 months | 3.90% | $1,654 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
Individual Retirement Accounts (IRA CDs)
Up to 4.11%APY · 5 terms
Offers Traditional IRA, Beneficiary IRA, Roth IRA, SEP, and SIMPLE retirement plan options. Substantial penalty is imposed on early withdrawals. APY assumes interest will remain on deposit until maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months12 Month Accumulator IRA | 4.11% | $411 |
| 18 months | 3.96% | $600 |
| 24 months | 3.96% | $808 |
| 30 months | 3.96% | $1,020 |
| 36 months | 3.96% | $1,236 |
Sources (2)
All 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.