Bank · FDIC insured
FSNB CD Rates
FSNB’s best CD rate is 2.50% APY on a 5-year CD. Terms run from 1 month to 5 years. Rates checked October 15, 2026.
How FSNB’s CD rates compare
Compared with banks and credit unions near Memphis, TN-MS-AR, where FSNB has the most branches. $10,000, best rate first.
This bank’s best
FSNB
2.50%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,314
Certificate of Deposit (CDs)
Top rate
Paragon Bank
4.39%APY
- Term
- 13 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $476
2nd-highest rate
UT Federal Credit Union
4.25%APY
- Term
- 7 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $246
FSNB CD score
64
CD score
Higher than 11% of U.S. banks and credit unions
- 3–8 months3–8 mo1.50%
- 9–15 months9–15 mo2.00%
- 16–30 months16–30 mo2.25%
- 31–60 months31–60 mo2.50%
- QualifiedQualified2.50%
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 FSNB 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 (CDs)
Up to 2.50%APY · 7 terms
Minimum amount $500 for a stated period of time (30 days to 5 years). Automatically renewable fixed rate; 10-day grace period after maturity to withdraw funds without penalty. Simple interest early withdrawal penalty: 91 days of interest for terms of 12 months or less, 182 days of interest for terms longer than 12 months (waived in the event of death or incompetency). No funds may be added during the term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month30 Day term. APY assumes interest paid will not be withdrawn | 0.40% | $3 |
| 3 months91 Day term. APY assumes interest paid will not be withdrawn | 0.40% | $10 |
| 6 months182 Day term. APY assumes interest paid will not be withdrawn | 1.50% | $75 |
| 12 months12 Months term. APY assumes interest paid will not be withdrawn | 2.00% | $200 |
| 18 months18 Months term. APY assumes interest paid will not be withdrawn | 2.00% | $301 |
| 30 months30 Months term. APY assumes interest paid will not be withdrawn | 2.25% | $572 |
| 60 months60 Months term. APY assumes interest paid will not be withdrawn | 2.50% | $1,314 |
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.