Bank · FDIC insured
IFB CD Rates
IFB’s best CD rate is 2.48% APY on a 2-year CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How IFB’s CD rates compare
Compared with banks and credit unions near St. Joseph, MO-KS, where IFB has the most branches. $10,000, best rate first.
This bank’s best
IFB
2.48%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $502
Certificate of Deposit (CD)
Top rate
North American Savings Bank
5.00%APY
- Term
- 7 months
- Minimum
- $5,000
- Earns on $10,000
- $289
2nd-highest rate
Postal & Community Credit Union
4.75%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $354
IFB CD score
63
CD score
Higher than 9% of U.S. banks and credit unions
- 3–8 months3–8 mo1.76%
- 9–15 months9–15 mo2.02%
- 16–30 months16–30 mo2.48%
- 31–60 months31–60 mo1.31%
- QualifiedQualified2.48%
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 IFB 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 2.48%APY · 8 terms
No monthly service charge. Rate and term selected is guaranteed for the life of the certificate. Early withdrawal penalty may apply. Fees can reduce earnings. Rates subject to change at any time without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 1.76% | $88 |
| 12 months | 2.02% | $202 |
| 18 months | 2.27% | $342 |
| 24 monthsADD-ON. Additional deposits cannot exceed the original deposit of the certificate | 2.48% | $502 |
| 30 monthsBUMP-UP 1 TIME | 1.16% | $293 |
| 36 months | 1.21% | $367 |
| 48 months | 1.26% | $514 |
| 60 months | 1.31% | $672 |
Sources (1)
- farmbank.net/accounts.html · captured Sep 17, 2026
Special-purpose accounts
Individual Retirement Account (IRA) Certificate of Deposit
Up to 2.48%APY · 8 terms
No monthly service charge. Early withdrawal penalty may apply. Fees can reduce earnings. Rates subject to change at any time without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 1.76% | $88 |
| 12 months | 2.02% | $202 |
| 18 monthsVariable rate IRA; interest rate may change after account opens | 2.27% | $342 |
| 24 months | 2.48% | $502 |
| 30 months | 1.16% | $293 |
| 36 months | 1.21% | $367 |
| 48 months | 1.26% | $514 |
| 60 months | 1.31% | $672 |
Sources (1)
- farmbank.net/accounts.html · captured Sep 17, 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.