Bank · FDIC insured
Farmers State Bank CD Rates
Farmers State Bank’s best CD rate is 3.85% APY on a 13-month CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Farmers State Bank’s CD rates compare
Compared with banks and credit unions in Wisconsin, where Farmers State Bank has the most branches. $10,000, best rate first.
This bank’s best
Farmers State Bank
3.85%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $418
Certificate of Deposit (CD)
Top rate
Fort Community Credit Union
5.15%APY
- Term
- 60 months
- Minimum
- $250
- Earns on $10,000
- $2,854
2nd-highest rate
Community First Credit Union
5.05%APY
- Term
- 5 months
- Minimum
- —
- Earns on $10,000
- $207
Farmers State Bank CD score
77
CD score
Higher than 43% of U.S. banks and credit unions
- 3–8 months3–8 mo3.60%
- 9–15 months9–15 mo3.85%
- 16–30 months16–30 mo2.60%
- 31–60 months31–60 mo2.85%
- QualifiedQualified3.85%
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 (CD)
Up to 3.85%APY · 9 terms
Interest will be compounded annually and/or at maturity depending on the term. A penalty may be imposed for early withdrawal.
| Term | APY · $1,000 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsSimple interest. APY based on interest added on at maturity and renewed at the same rate | — | 1.35% | 1.35% | $67 |
| 7 monthsSpecial. Simple interest. APY based on interest added on at maturity and renewed at the same rate | 3.60% | — | 3.60% | $208 |
| 12 monthsSimple interest | 2.90% | — | 2.90% | $290 |
| 13 monthsSpecial. Simple interest | 3.85% | — | 3.85% | $418 |
| 18 monthsSimple interest | 2.60% | — | 2.60% | $393 |
| 24 monthsSimple interest | 2.60% | — | 2.60% | $527 |
| 36 monthsSimple interest | 2.60% | — | 2.60% | $800 |
| 48 monthsSimple interest | 2.70% | — | 2.70% | $1,125 |
| 60 monthsSimple interest | 2.85% | — | 2.85% | $1,509 |
Sources (2)
All captured Sep 24, 2026
Special-purpose accounts
Individual Retirement Account (IRA) CD
Up to 3.85%APY · 7 terms
Available as Traditional or Roth IRA certificates. A penalty may be imposed for early withdrawal of time deposits.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsCompound daily | 2.90% | $290 |
| 13 monthsSpecial. Compound daily | 3.85% | $418 |
| 18 monthsCompound daily | 2.60% | $393 |
| 24 monthsCompound daily | 2.60% | $527 |
| 36 monthsCompound daily | 2.60% | $800 |
| 48 monthsCompound daily | 2.70% | $1,125 |
| 60 monthsCompound daily | 2.85% | $1,509 |
Sources (1)
- fsbwaupaca.com/iras.html · captured Sep 24, 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.