Skip to Content
Close Icon

Certificates of Deposit

Interest rate and annual percentage yield (APY) current as of 09/18/2025.


6 Month CD**

BalanceInterest RateAPY
$1,000+3.85%3.89%
$10,000+3.85%3.89%
$100,000+3.85%3.89%

$1,000 minimum deposit to open account.

12 Month CD**

BalanceInterest RateAPY
$1,000+3.25%3.25%
$10,000+3.50%3.50%
$100,000+3.65%3.65%

$1,000 minimum deposit to open account.

18 Month CD**

BalanceInterest RateAPY
$1,000+2.25%2.25%
$10,000+2.50%2.51%
$100,000+2.75%2.76%

$1,000 minimum deposit to open account.

24 Month CD**

BalanceInterest RateAPY
$1,000+2.20%2.20%
$10,000+2.85%2.85%
$100,000+3.00%3.00%

$1,000 minimum deposit to open account.

36 Month CD**

BalanceInterest RateAPY
$1,000+2.25%2.25%
$10,000+3.00%3.00%
$100,000+3.05%3.05%

$1,000 minimum deposit to open account.

48 Month CD**

BalanceInterest RateAPY
$1,000+2.35%2.35%
$10,000+3.10%3.10%
$100,000+3.15%3.15%

$1,000 minimum deposit to open account.

60 Month CD**

BalanceInterest RateAPY
$1,000+2.50%2.50%
$10,000+3.20%3.20%
$100,000+3.25%3.25%

$1,000 minimum deposit to open account.

Balance: The amount of principal in the account each day.

**A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account.

You are now leaving Farmers & Merchants State Bank
Continue