Bank · FDIC insured
James Polk Stone Community Bank CD Rates
James Polk Stone Community Bank’s best CD rate is 2.77% APY on a 6-month CD. Terms run from 6 months to 2 years. Rates checked October 22, 2026.
How James Polk Stone Community Bank’s CD rates compare
Compared with banks and credit unions near Clovis, NM, where James Polk Stone Community Bank has the most branches. $10,000, best rate first.
This bank’s best
James Polk Stone Community Bank
2.77%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $138
Certificate of Deposit
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
UMB Bank
4.25%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $534
James Polk Stone Community Bank CD score
63
CD score
Higher than 10% of U.S. banks and credit unions
- 3–8 months3–8 mo2.77%
- 9–15 months9–15 mo2.50%
- 16–30 months16–30 mo2.02%
- QualifiedQualified2.77%
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 James Polk Stone 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.
Certificate of Deposit
Up to 2.77%APY · 3 terms
$1,000 minimum balance required to open an account. Fixed interest rates. Accrued interest compounded quarterly for terms over 12 months. Auto-renewing CDs available. Penalties apply for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsSpecial Rate Time Deposits 182 day time deposit. Minimum balance to open is $1,000 and minimum to earn APY is $.01. A penalty may be imposed for early withdrawal and fees may reduce earnings on the account | 2.77% | $138 |
| 12 monthsSpecial Rate Time Deposits 12 month time deposit. Minimum balance to open is $1,000 and minimum to earn APY is $.01. A penalty may be imposed for early withdrawal and fees may reduce earnings on the account | 2.50% | $250 |
| 24 monthsSpecial Rate Time Deposits 24 month time deposit. Minimum balance to open is $1,000 and minimum to earn APY is $.01. A penalty may be imposed for early withdrawal and fees may reduce earnings on the account. Interest compounds quarterly | 2.02% | $408 |
Sources (1)
- jpstone.com/personal/personal-accounts · captured Oct 15, 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.