Bank · FDIC insured
Simmons Bank CD Rates
Simmons Bank’s best CD rate is 3.65% APY on a 6-month CD. Rates checked October 22, 2026.
How Simmons Bank’s CD rates compare
Compared with banks and credit unions in Arkansas, where Simmons Bank has the most branches. $10,000, best rate first.
This bank’s best
Simmons Bank
3.50%APY
- Term
- 6 months
- Minimum
- $5,000
- Earns on $10,000
- $173
Certificate of Deposit
Top rate
Hurricane Creek Federal Credit Union
4.50%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $450
2nd-highest rate
Arkansas Federal Credit Union
4.50%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $450
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
3.50%APY · 1 term
Online opening available to residents of AL, AR, AZ, GA, IN, KS, MO, OH, OK, SC, TN, and TX. If opened online, full opening deposit must be New Money. If opened in person, at least half of the total opening deposit must be New Money. New Money is money not currently on deposit at Simmons Bank. Not available for public funds. Early withdrawal penalty applies. CD auto-renews at maturity for same term at prevailing rate if no action taken within 10-day grace period.
| Term | APY · $5,000 – $50,000 | APY · $50,000 – $250,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsRequires New Money ($5,000 - $49,999.99). If opened online, full opening deposit must be New Money; if opened in person, at least half must be New Money | 3.50% | — | 3.50% | $173 |
| 6 monthsRequires New Money ($50,000 - $250,000). If opened online, full opening deposit must be New Money; if opened in person, at least half must be New Money. Maximum deposit is $250,000 | — | 3.65% | —3.65% $50k–$250k | — |
Sources (1)
- simmonsbank.com/personal/savings/certificate-of-deposit · captured Sep 24, 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.