Bank · FDIC insured
The Farmers Bank of Appomattox CD Rates
The Farmers Bank of Appomattox’s best CD rate is 3.75% APY on an 11-month CD. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How The Farmers Bank of Appomattox’s CD rates compare
Compared with banks and credit unions near Lynchburg, VA, where The Farmers Bank of Appomattox has the most branches. $10,000, best rate first.
This bank’s best
The Farmers Bank of Appomattox
3.75%APY
- Term
- 11 months
- Minimum
- $5,000
- Earns on $10,000
- $343
11 Month Certificate
Top rate
Freedom First
4.65%APY
- Term
- 13 months
- Minimum
- $5,000
- Earns on $10,000
- $505
2nd-highest rate
Beacon Credit Union
4.35%APY
- Term
- 6 months
- Minimum
- $2,500
- Earns on $10,000
- $215
The Farmers Bank of Appomattox CD score
71
CD score
Higher than 28% of U.S. banks and credit unions
- 3–8 months3–8 mo3.20%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo2.60%
- 31–60 months31–60 mo2.25%
- QualifiedQualified3.75%
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 The Farmers Bank of Appomattox 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.
11 Month Certificate
Up to 3.75%APY · 1 term
Special CD. Penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 monthsNEW MONEY ONLY. Penalty will be imposed for early withdrawal | 3.75% | $343 |
| 11 monthsPenalty will be imposed for early withdrawal | 3.50% | $320 |
Sources (1)
- thefarmersbankva.com/wp-conten…REST-RATE-SCHEDULE-4.pdf · captured Oct 4, 2026
Certificates of Deposit
Up to 3.20%APY · 7 terms
| Term | APY · $1,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.20% | 3.50% | 3.20%3.50% from $100k | $159 |
| 12 months | 3.00% | 3.50% | 3.00%3.50% from $100k | $300 |
| 15 months | 2.75% | — | 2.75% | $345 |
| 18 months | 2.60% | — | 2.60% | $393 |
| 24 months | 2.55% | 2.80% | 2.55%2.80% from $100k | $517 |
| 36 months | 2.25% | 2.55% | 2.25%2.55% from $100k | $690 |
| 60 months | 2.15% | 2.40% | 2.15%2.40% from $100k | $1,122 |
Sources (2)
All captured Oct 4, 2026
No Penalty Certificate
2.50%APY · 1 term
Special CD. No early withdrawal penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsNo early withdrawal penalty | 2.50% | $250 |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
Club Certificate
2.70%APY · 1 term
Special CD. Penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsPenalty will be imposed for early withdrawal | 2.70% | $408 |
Sources (1)
- thefarmersbankva.com/wp-conten…REST-RATE-SCHEDULE-4.pdf · captured Oct 4, 2026
IRA Certificate of Deposit
2.15%APY · 1 term
Available as Regular (Traditional) or Roth IRA. Withdrawals without IRS penalty begin at age 59.5; Bank and/or IRS early withdrawal penalties may apply.
| Term | APY · $1,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 60 months5 Year Fixed Rate CD. Penalty will be imposed for early withdrawal | 2.15% | — | 2.15% | $1,122 |
| 60 months5 Year Jumbo CD. Penalty will be imposed for early withdrawal | — | 2.40% | —2.40% from $100k | — |
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.