Bank · FDIC insured
Farmers Bank of Willards CD Rates
Farmers Bank of Willards’s best CD rate is 3.75% APY on a 5-year CD. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Farmers Bank of Willards’s CD rates compare
Compared with banks and credit unions near Salisbury, MD, where Farmers Bank of Willards has the most branches. $10,000, best rate first.
This bank’s best
Farmers Bank of Willards
3.75%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,021
Certificates of Deposit
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
PNC
4.25%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $461
Farmers Bank of Willards CD score
80
CD score
Higher than 54% of U.S. banks and credit unions
- 3–8 months3–8 mo3.19%
- 9–15 months9–15 mo3.34%
- 16–30 months16–30 mo3.57%
- 31–60 months31–60 mo3.75%
- QualifiedQualified3.75%
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 of Willards 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.
Special-purpose accounts
Certificates of Deposit
Up to 3.75%APY · 7 terms
Penalty may be imposed for early withdrawal. Fees may reduce earnings. Compounded quarterly or interest payment via check or transfer. Minimum of $500 to open for 12 Month Term only for under 18 years old.
| Term | APY · Up to $100,000 | APY · Any balance | APY · $100,000 – $249,999 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsRates between $100,000-$249,999. Minimum of $1,000 to open account | — | — | 3.14% | —3.14% $100k–$250k | — |
| 6 monthsRates over $250,000. Minimum of $1,000 to open account | — | 3.19% | — | 3.19% | $158 |
| 6 monthsRates under $100,000. Minimum of $1,000 to open account | 3.03% | — | — | 3.03% | $150 |
| 12 monthsRates between $100,000-$249,999. Minimum of $1,000 to open account ($500 for under 18 years old) | — | — | 3.29% | —3.29% $100k–$250k | — |
| 12 monthsRates over $250,000. Minimum of $1,000 to open account ($500 for under 18 years old) | — | 3.34% | — | 3.34% | $334 |
| 12 monthsRates under $100,000. Minimum of $1,000 to open account ($500 for under 18 years old) | 3.19% | — | — | 3.19% | $319 |
| 18 monthsRates between $100,000-$249,999. Minimum of $1,000 to open account | — | — | 3.43% | —3.43% $100k–$250k | — |
| 18 monthsRates over $250,000. Minimum of $1,000 to open account | — | 3.48% | — | 3.48% | $527 |
| 18 monthsRates under $100,000. Minimum of $1,000 to open account | 3.33% | — | — | 3.33% | $504 |
| 24 monthsRates between $100,000-$249,999. Minimum of $1,000 to open account | — | — | 3.52% | —3.52% $100k–$250k | — |
| 24 monthsRates over $250,000. Minimum of $1,000 to open account | — | 3.57% | — | 3.57% | $727 |
| 24 monthsRates under $100,000. Minimum of $1,000 to open account | 3.41% | — | — | 3.41% | $694 |
| 36 monthsRates between $100,000-$249,999. Minimum of $1,000 to open account | — | — | 3.63% | —3.63% $100k–$250k | — |
| 36 monthsRates over $250,000. Minimum of $1,000 to open account | — | 3.68% | — | 3.68% | $1,145 |
| 36 monthsRates under $100,000. Minimum of $1,000 to open account | 3.53% | — | — | 3.53% | $1,097 |
| 48 monthsRates between $100,000-$249,999. Minimum of $1,000 to open account | — | — | 3.69% | —3.69% $100k–$250k | — |
| 48 monthsRates over $250,000. Minimum of $1,000 to open account | — | 3.74% | — | 3.74% | $1,582 |
| 48 monthsRates under $100,000. Minimum of $1,000 to open account | 3.59% | — | — | 3.59% | $1,515 |
| 60 monthsRates between $100,000-$249,999. Minimum of $1,000 to open account | — | — | 3.70% | —3.70% $100k–$250k | — |
| 60 monthsRates over $250,000. Minimum of $1,000 to open account | — | 3.75% | — | 3.75% | $2,021 |
| 60 monthsRates under $100,000. Minimum of $1,000 to open account | 3.60% | — | — | 3.60% | $1,934 |
Sources (1)
- fbwbank.com/certificates-of-deposit · captured Oct 22, 2026
Opening an account
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