Bank · FDIC insured
Farmers State Bank CD Rates
Farmers State Bank’s best CD rate is 3.64% APY on a 5-month CD. Terms run from 1 month to 5 years. Rates checked October 22, 2026.
How Farmers State Bank’s CD rates compare
Compared with banks and credit unions near Missoula, MT, where Farmers State Bank has the most branches. $10,000, best rate first.
This bank’s best
Farmers State Bank
3.64%APY
- Term
- 5 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $150
Certificates of Deposit
Top rate
Horizon Credit Union
4.70%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $591
2nd-highest rate
Mountain America Credit Union
4.50%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $5
- Earns on $10,000
- $920
Farmers State Bank CD score
77
CD score
Higher than 45% of U.S. banks and credit unions
- 3–8 months3–8 mo3.64%
- 9–15 months9–15 mo3.64%
- 16–30 months16–30 mo3.64%
- 31–60 months31–60 mo2.02%
- QualifiedQualified3.64%
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.
Certificates of Deposit
Up to 3.64%APY · 12 terms
Interest earned can be added back into CD, paid by check, or deposited into another account. Interest is compounded daily (excludes CDs with terms less than 12 months). Automatically renewable. Penalty may apply for early withdrawal. Rates remain in effect until maturity.
| Term | APY · $500 and up | APY · $1,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| UnknownNegotiated term | — | — | 0.50% | —0.50% from $100k | — |
| 1 month30 Day term | 0.30% | — | — | 0.30% | $2 |
| 3 months91 Day term | — | 0.40% | — | 0.40% | $10 |
| 5 monthsFeatured Product Special | — | 3.64% | — | 3.64% | $150 |
| 6 months182 Day term | — | 2.92% | — | 2.92% | $145 |
| 10 monthsFeatured Product Special | — | 3.64% | — | 3.64% | $302 |
| 12 months | — | 2.94% | — | 2.94% | $294 |
| 18 months | — | 1.27% | — | 1.27% | $191 |
| 20 monthsFeatured Product Special | — | 3.64% | — | 3.64% | $614 |
| 24 months | — | 1.76% | — | 1.76% | $355 |
| 36 months | — | 2.02% | — | 2.02% | $618 |
| 60 months | — | 2.02% | — | 2.02% | $1,052 |
Special-purpose accounts
IRA CD
1.25%APY
IRA, SEP, and Investment Club rates subject to change. Interest compounded daily. CDs automatically renewable. Early withdrawal penalties apply. Rates remain in effect until maturity.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0IRA, SEP, and Investment Club rates subject to change. Interest compounded daily. CDs automatically renewable. Early withdrawal penalties apply. Rates remain in effect until maturity.Over $0 | 1.25% | $125 | IRA, SEP, and Investment Club rates subject to change. Interest compounded daily. CDs automatically renewable. Early withdrawal penalties apply. Rates remain in effect until maturity. |
Sources (1)
- farmersebank.com/Rates · captured Sep 16, 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.