Bank · FDIC insured
Farmers State Bank CD Rates
Farmers State Bank’s best CD rate is 4.20% APY on an 11-month CD. Terms run from 11 months to 16 months. Rates checked October 16, 2026.
How Farmers State Bank’s CD rates compare
Compared with banks and credit unions near Waterloo, IA, where Farmers State Bank has the most branches. $10,000, best rate first.
This bank’s best
Farmers State Bank
4.20%APY
- Term
- 11 months
- Minimum
- —
- Earns on $10,000
- $384
11 Month CD
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
Empeople Credit Union
4.40%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $667
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
11 Month CD
4.20%APY · 1 term
Early withdrawal penalty equal to CD term. Interest compounds every 3 months. Minimum balance to earn stated APY is $0.01.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 monthsEarly withdrawal penalty equal to CD term. Interest compounds every 3 months. Minimum balance to earn stated APY is $0.01 | 4.20% | $384 |
16 Month CD
4.20%APY · 1 term
Early withdrawal penalty equal to 12 months interest. Interest compounds every 6 months. Minimum balance to earn stated APY is $0.01.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 16 monthsEarly withdrawal penalty equal to 12 months interest. Interest compounds every 6 months. Minimum balance to earn stated APY is $0.01 | 4.20% | $564 |
Opening an account
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