Bank · FDIC insured
Farmers Trust & Savings Bank CD Rates
Farmers Trust & Savings Bank’s best CD rate is 4.00% APY on a 7-month CD. Rates checked October 16, 2026.
How Farmers Trust & Savings Bank’s CD rates compare
Compared with banks and credit unions near Spencer, IA, where Farmers Trust & Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Farmers Trust & Savings Bank
4.00%APY
- Term
- 7–18 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- —
Certificate of Deposit
Top rate
First Federal Credit Union.
7.30%APY
- Term
- 3 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $198
2nd-highest rate
Northwest Bank
4.50%APY
- Term
- 26 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $1,001
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
4.00%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7–18 months | 4.00% | $231 |
Sources (2)
All captured Oct 5, 2026
Opening an account
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