Bank · FDIC insured
Panhandle First Bank CD Rates
Panhandle First Bank’s best CD rate is 3.82% APY on a 1-year CD. Terms run from 3 months to 3 years. Rates checked October 15, 2026.
How Panhandle First Bank’s CD rates compare
Compared with banks and credit unions near Dumas, TX, where Panhandle First Bank has the most branches. $10,000, best rate first.
This bank’s best
Panhandle First Bank
3.76%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $569
Certificates of Deposit
2nd-highest rate
First National Bank Texas
3.75%APY
- Term
- 8 months
- Minimum
- $500
- Earns on $10,000
- $248
3rd-highest rate
Texan Sky Credit Union
3.56%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $356
Panhandle First Bank CD score
83
CD score
Higher than 61% of U.S. banks and credit unions
- 3–8 months3–8 mo3.61%
- 9–15 months9–15 mo3.71%
- 16–30 months16–30 mo3.76%
- 31–60 months31–60 mo3.56%
- QualifiedQualified3.76%
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 Panhandle First 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 3.76%APY · 6 terms
No setup or maintenance fees. Early withdrawal penalty applies. 10-day grace period at maturity.
| Term | APY · $1,000 – $49,999 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsPenalty for early withdrawal. Must maintain a balance of $1,000.00 to obtain APY | 3.40% | — | 3.40% | $84 |
| 3 monthsPenalty for early withdrawal. Must maintain a balance of $50,000.00 to obtain APY. For CD amounts over $250,000, please contact the bank | — | 3.51% | —3.51% from $50k | — |
| 6 monthsPenalty for early withdrawal. Must maintain a balance of $1,000.00 to obtain APY | 3.61% | — | 3.61% | $179 |
| 6 monthsPenalty for early withdrawal. Must maintain a balance of $50,000.00 to obtain APY. For CD amounts over $250,000, please contact the bank | — | 3.71% | —3.71% from $50k | — |
| 12 monthsPenalty for early withdrawal. Must maintain a balance of $1,000.00 to obtain APY | 3.71% | — | 3.71% | $371 |
| 12 monthsPenalty for early withdrawal. Must maintain a balance of $50,000.00 to obtain APY. For CD amounts over $250,000, please contact the bank | — | 3.82% | —3.82% from $50k | — |
| 18 monthsPenalty for early withdrawal. Must maintain a balance of $1,000.00 to obtain APY | 3.76% | — | 3.76% | $569 |
| 18 monthsPenalty for early withdrawal. Must maintain a balance of $50,000.00 to obtain APY. For CD amounts over $250,000, please contact the bank | — | 3.82% | —3.82% from $50k | — |
| 24 monthsPenalty for early withdrawal. Must maintain a balance of $1,000.00 to obtain APY | 3.66% | — | 3.66% | $745 |
| 24 monthsPenalty for early withdrawal. Must maintain a balance of $50,000.00 to obtain APY. For CD amounts over $250,000, please contact the bank | — | 3.71% | —3.71% from $50k | — |
| 36 monthsPenalty for early withdrawal. Must maintain a balance of $1,000.00 to obtain APY | 3.56% | — | 3.56% | $1,106 |
| 36 monthsPenalty for early withdrawal. Must maintain a balance of $50,000.00 to obtain APY. For CD amounts over $250,000, please contact the bank | — | 3.66% | —3.66% from $50k | — |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
Individual Retirement Account (IRA) CD
3.30%APY · 1 term
Traditional and Roth IRA options available. Minimum of $1,000 to open. No setup fees, monthly fees, or annual maintenance fees. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsFixed rate 24 Month IRA CD | 3.30% | $671 |
Sources (2)
All 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.