Bank · FDIC insured
Farmers State Bank CD Rates
Farmers State Bank’s best CD rate is 0.80% APY on a 5-year 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 near St. Joseph, MO-KS, where Farmers State Bank has the most branches. $10,000, best rate first.
This bank’s best
Farmers State Bank
0.80%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $406
Certificates of Deposit
Top rate
North American Savings Bank
5.00%APY
- Term
- 7 months
- Minimum
- $5,000
- Earns on $10,000
- $289
2nd-highest rate
Postal & Community Credit Union
4.75%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $354
Farmers State Bank CD score
60
CD score
Higher than 3% of U.S. banks and credit unions
- 3–8 months3–8 mo0.25%
- 9–15 months9–15 mo0.40%
- 16–30 months16–30 mo0.55%
- 31–60 months31–60 mo0.80%
- QualifiedQualified0.80%
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 0.80%APY · 10 terms
| Term | APY · Any balance | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 0.20% | — | 0.20% | $5 |
| 6 months | 0.25% | 0.25% | 0.25%0.25% from $25k | $12 |
| 12 months | 0.35% | — | 0.35% | $35 |
| 15 months | 0.40% | — | 0.40% | $50 |
| 18 months | 0.45% | — | 0.45% | $68 |
| 24 months | 0.50% | — | 0.50% | $100 |
| 30 months | 0.55% | — | 0.55% | $138 |
| 36 months | 0.60% | — | 0.60% | $181 |
| 48 months | 0.70% | — | 0.70% | $283 |
| 60 months | 0.80% | — | 0.80% | $406 |
Sources (3)
All captured Sep 18, 2026
Special-purpose accounts
Individual Retirement Accounts (IRA)
Up to 0.80%APY · 6 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 0.35% | $35 |
| 18 months | 0.45% | $68 |
| 24 months | 0.50% | $100 |
| 36 months | 0.60% | $181 |
| 48 months | 0.70% | $283 |
| 60 months | 0.80% | $406 |
Sources (2)
All captured Sep 18, 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.