Bank · FDIC insured
First Community Bank CD Rates
First Community Bank’s best CD rate is 4.45% APY on a 14-month CD. Terms run from 1 month to 5 years. Rates checked October 22, 2026.
How First Community Bank’s CD rates compare
Compared with banks and credit unions near Jonesboro, AR, where First Community Bank has the most branches. $10,000, best rate first.
This bank’s best
First Community Bank
4.45%APY
- Term
- 14 months
- Minimum
- $500
- Earns on $10,000
- $521
Certificates of Deposit
Top rate
Arkansas Federal Credit Union
4.50%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $450
3rd-highest rate
First National Bank
4.35%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $472
First Community Bank CD score
88
CD score
Higher than 83% of U.S. banks and credit unions
- 3–8 months3–8 mo4.05%
- 9–15 months9–15 mo4.45%
- 16–30 months16–30 mo1.71%
- 31–60 months31–60 mo2.27%
- QualifiedQualified4.45%
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 First Community 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 4.45%APY · 11 terms
Compounds monthly. Minimum amount to open: $500. Regular and Special Rates do not apply to Public Funds. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthTerm: 30 days. Rates do not apply to Public Funds | 0.25% | $2 |
| 3 monthsTerm: 90 days. Rates do not apply to Public Funds | 0.35% | $9 |
| 6 monthsTerm: 6 months. Rates do not apply to Public Funds | 0.75% | $37 |
| 7 monthsCD Special. Term: 7 months. Rates do not apply to Public Funds | 4.05% | $234 |
| 12 monthsTerm: 12 months. Rates do not apply to Public Funds | 1.26% | $126 |
| 14 monthsCD Special. Term: 14 Months. Rates do not apply to Public Funds | 4.45% | $521 |
| 18 monthsTerm: 18 months. Rates do not apply to Public Funds | 1.51% | $227 |
| 24 monthsTerm: 24 months. Rates do not apply to Public Funds | 1.71% | $345 |
| 36 monthsTerm: 36 months. Rates do not apply to Public Funds | 1.81% | $553 |
| 48 monthsTerm: 48 months. Rates do not apply to Public Funds | 2.02% | $833 |
| 60 monthsTerm: 60 months. Rates do not apply to Public Funds | 2.27% | $1,188 |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
IRA Certificates of Deposit
Up to 4.55%APY · 11 terms
Minimum $100 to open. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthTerm: 30 days | 0.35% | $3 |
| 3 monthsTerm: 90 days | 0.45% | $11 |
| 6 monthsTerm: 6 months | 0.85% | $42 |
| 7 monthsIRA CD Special. Term: 7 Months | 4.16% | $241 |
| 12 monthsTerm: 12 months | 1.36% | $136 |
| 14 monthsIRA CD Special. Term: 14 Months | 4.55% | $533 |
| 18 monthsTerm: 18 months | 1.61% | $242 |
| 24 monthsTerm: 24 months | 1.81% | $365 |
| 36 monthsTerm: 36 months | 1.92% | $587 |
| 48 monthsTerm: 48 months | 2.12% | $875 |
| 60 monthsTerm: 60 months | 2.38% | $1,248 |
Sources (2)
All captured Oct 4, 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.