Bank · FDIC insured
Farmers Savings Bank CD Rates
Farmers Savings Bank’s best CD rate is 4.14% APY on a 14-month CD. Terms run from 3 months to 4 years. Rates checked October 16, 2026.
How Farmers Savings Bank’s CD rates compare
Compared with banks and credit unions near Spirit Lake, IA, where Farmers Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Farmers Savings Bank
4.14%APY
- Term
- 14 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $485
Certificate of Deposit
Top rate
Northwest Bank
4.50%APY
- Term
- 26 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $1,001
3rd-highest rate
The State Bank
4.04%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $612
Farmers Savings Bank CD score
84
CD score
Higher than 66% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo4.14%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.49%
- QualifiedQualified4.14%
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 Savings 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.
Certificate of Deposit
Up to 4.14%APY · 8 terms
Early withdrawal penalty may apply. Opening deposit requirement $500.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty may apply | 2.25% | $56 |
| 6 monthsEarly withdrawal penalty may apply | 3.25% | $161 |
| 11 monthsEarly withdrawal penalty may apply | 4.04% | $370 |
| 12 monthsEarly withdrawal penalty may apply | 3.35% | $335 |
| 14 monthsEarly withdrawal penalty may apply | 4.14% | $485 |
| 24 monthsEarly withdrawal penalty may apply | 3.25% | $661 |
| 36 monthsEarly withdrawal penalty may apply | 3.25% | $1,007 |
| 48 monthsEarly withdrawal penalty may apply | 3.49% | $1,471 |
Sources (1)
- fsbmy.bank/Pages/cd.html · captured Sep 24, 2026
Opening an account
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