Bank · FDIC insured
Farmers Bank CD Rates
Farmers Bank’s best CD rate is 3.50% APY on a 6-month CD. Terms run from 1 month to 5 years. Rates checked October 22, 2026.
How Farmers Bank’s CD rates compare
Compared with banks and credit unions near Lexington, KY, where Farmers Bank has the most branches. $10,000, best rate first.
This bank’s best
Farmers Bank
3.50%APY
- Term
- 6–12 months
- Minimum
- $1,000
- Earns on $10,000
- —
Certificates of Deposit
Top rate
UK Credit Union
5.00%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $373
2nd-highest rate
Commonwealth Credit Union
5.00%APY
- Term
- 24 months
- Minimum
- $5
- Earns on $10,000
- $1,025
Farmers Bank CD score
77
CD score
Higher than 45% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.50%
- QualifiedQualified3.50%
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 3.50%APY · 9 terms
Interest compounded daily and credited at maturity. Minimum balance required each day to obtain disclosed APY. Early withdrawal penalty may be imposed. Automatically renews with a 10-day grace period. No additional deposits or withdrawals allowed until maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthEarly withdrawal penalty may be imposed | 3.00% | $6 |
| 2 monthsEarly withdrawal penalty may be imposed | 3.00% | $26 |
| 3–5 monthsEarly withdrawal penalty may be imposed | 3.25% | $80 |
| 6–12 monthsEarly withdrawal penalty may be imposed | 3.50% | $173 |
| 12–23 monthsEarly withdrawal penalty may be imposed | 3.50% | $350 |
| 24–35 monthsEarly withdrawal penalty may be imposed | 3.50% | $712 |
| 36–47 monthsEarly withdrawal penalty may be imposed | 3.50% | $1,087 |
| 48–59 monthsEarly withdrawal penalty may be imposed | 3.50% | $1,475 |
| 60–84 monthsEarly withdrawal penalty may be imposed | 3.50% | $1,877 |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
Individual Retirement Accounts
3.50%APY · 6 terms
Traditional and Roth IRA CD options available. Early withdrawal penalty may be imposed. Daily compounding frequency.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–12 monthsEarly withdrawal penalty may be imposed | 3.50% | $173 |
| 12–23 monthsEarly withdrawal penalty may be imposed | 3.50% | $350 |
| 24–35 monthsEarly withdrawal penalty may be imposed | 3.50% | $712 |
| 36–47 monthsEarly withdrawal penalty may be imposed | 3.50% | $1,087 |
| 48–59 monthsEarly withdrawal penalty may be imposed | 3.50% | $1,475 |
| 60–84 monthsEarly withdrawal penalty may be imposed | 3.50% | $1,877 |
Sources (2)
All captured Sep 19, 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.