Bank · FDIC insured
Farmers State Bank CD Rates
Farmers State Bank’s best CD rate is 3.80% APY on a 3-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 near Manhattan, KS, where Farmers State Bank has the most branches. $10,000, best rate first.
This bank’s best
Farmers State Bank
3.80%APY
- Term
- 3 months
- Minimum
- $1,000
- Earns on $10,000
- $94
Certificate of Deposit
Top rate
KS StateBank
4.35%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $435
2nd-highest rate
Credit Union of America
4.30%APY
- Term
- 25 months
- Minimum
- $500
- Earns on $10,000
- $917
Farmers State Bank CD score
83
CD score
Higher than 63% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo3.65%
- 16–30 months16–30 mo3.65%
- 31–60 months31–60 mo3.65%
- QualifiedQualified3.80%
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.
Certificate of Deposit
Up to 3.80%APY · 11 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.80% | $94 |
| 6 months | 3.80% | $188 |
| 12 months | 3.65% | $365 |
| 15 monthsDeposits in any amount of $500 or more. No withdrawals can be made | 3.65% | $458 |
| 16 monthsOne-time rate bump permitted to the current 16 month interest rate offering | 3.65% | $490 |
| 18 months | 3.65% | $552 |
| 24 months | 3.65% | $743 |
| 30 months | 3.65% | $938 |
| 36 months | 3.65% | $1,135 |
| 48 months | 3.65% | $1,542 |
| 60 months | 3.65% | $1,963 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA – 18 Month CD
3.65%APY · 1 term
Available as Traditional IRA or Roth IRA Certificate of Deposit. Must have earned income to contribute. Substantial penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsInterest compounded semi-annually (2 periods per year) | 3.65% | $552 |
Sources (4)
- bankwithfarmers.com/all-rates
- bankwithfarmers.com/ira
- bankwithfarmers.com/ira/roth-ira
- bankwithfarmers.com/ira/traditional-ira
All captured Oct 5, 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.