Bank · FDIC insured
Farmers State Bank CD Rates
Farmers State Bank’s best CD rate is 3.95% APY on a 6-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Farmers State Bank’s CD rates compare
Compared with banks and credit unions in Kansas, where Farmers State Bank has the most branches. $10,000, best rate first.
This bank’s best
Farmers State Bank
3.95%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $196
Certificate of Deposit
Top rate
Community National Bank
5.09%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,818
2nd-highest rate
Grant County Bank
4.69%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,576
Farmers State Bank CD score
83
CD score
Higher than 61% of U.S. banks and credit unions
- 3–8 months3–8 mo3.95%
- 9–15 months9–15 mo3.65%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.45%
- 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 State 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 3.95%APY · 9 terms
A $500.00 minimum balance is required to open. CD interest is calculated on the daily balance method. APY is based on semi-annual compounding except terms of 91 days or less. Early withdrawal penalty may be imposed. Single maturity certificates draw no interest after maturity. New customer CDs require visiting the bank in person.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91 days term. APY is not based on semi-annual compounding | 2.75% | $68 |
| 6 months6 Month Special. CD specials available to new customers in community reinvestment area or neighboring counties as well as existing customers | 3.95% | $196 |
| 12 months | 3.65% | $365 |
| 13 months | 3.50% | $380 |
| 18 months | 3.50% | $530 |
| 24 months | 3.50% | $712 |
| 36 months | 3.45% | $1,071 |
| 48 months | 3.40% | $1,431 |
| 60 months | 3.35% | $1,791 |
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.