Farm Bureau Bank FSB savings, CD and money market rates
Farm Bureau Bank FSB advertises 2.50% APY on its Plus Money Market account. The 2.50% needs a balance of at least $1,000,000. Below that, the account advertises 0.05%.
Estimate your earnings·What Farm Bureau Bank FSB actually pays
Farm Bureau Bank FSB at a glance
| Savings | |
|---|---|
| Top savings APY | 2.50% · Plus Money Market · needs at least $1,000,000 |
| Minimum to open | $25,000 · Plus Money Market |
| Against the national average | 2.12 percentage points above the 0.38% FDIC savings average (Aug 2026) |
| CDs | |
| Top CD APY | 4.10% · 12 months · 1 Year CD |
| Minimum to open | $1,000 · 12 months CD |
| Against the national average | 2.39 percentage points above the 1.71% FDIC 12-month CD average (Aug 2026) |
| Money market | |
| Top money market APY | 2.50% · Plus Money Market · needs at least $1,000,000 |
| Minimum to open | $25,000 · Plus Money Market |
| Against the national average | 1.87 percentage points above the 0.63% FDIC money market average (Aug 2026) |
| FDIC certificate | 35157 · Reno, NV |
|---|---|
| Website | www.farmbureau.bank |
| Branches | 2 branches in NV, TX |
| Availability | Nationally available |
Farm Bureau Bank FSB savings, CD and money market rates
Personal
How the rate applies
Business
How the rate applies
Rates are APY. The national savings average is 0.38% (FDIC, Aug 2026). The top tracked savings rate on Banksparency is 5.00%. Across 93 money market accounts from 83 banks in the Banksparency money market index, the median advertised rate is 1.00%, and one account in ten advertises 3.41% or more. See the highest savings rates.
Farm Bureau Bank FSB CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| 3 months | 1.10% | $1,000 | 3 Month CD |
| 6 months | 3.65% | $1,000 | 6 Month CD |
| 12 months | 4.10% | $1,000 | 1 Year CD |
| 12 months | 3.75% | $1,000 | 1 Year CD with Step-Up Option |
| 18 months | 3.20% | $1,000 | 18 Month CD with Step-Up Option |
| 18 months | 3.45% | $1,000 | 18 Month CD |
| 24 months | 3.70% | $1,000 | 2 Year CD with Step-Up Option |
| 24 months | 3.95% | $1,000 | 2 Year CD |
| 36 months | 3.10% | $1,000 | 3 Year CD with Step-Up Option |
| 36 months | 3.35% | $1,000 | 3 Year CD |
| 48 months | 3.10% | $1,000 | 4 Year CD with Step-Up Option |
| 48 months | 3.35% | $1,000 | 4 Year CD |
| 60 months | 3.10% | $1,000 | 5 Year CD with Step-Up Option |
| 60 months | 3.35% | $1,000 | 5 Year CD |
Interactive Tool
Calculate Savings for Farm Bureau Bank FSB
All calculations are based on APY.
Tiered rates: 0.05% to 2.50% APY across 8 balance tiers.
Savings Breakdown
- Interest Earned+$137.70(1.0%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,137.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Farm Bureau Bank FSB pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced all of its deposits over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined. The 2.50% needs a balance of at least $1,000,000. Below that, the account advertises 0.05%.
In Q1 2026, Farm Bureau Bank FSB paid a higher average rate than 91% of U.S. banks (all-bank median 2.27%).
- Farm Bureau Bank FSB, avg rate paid
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers every account that earns interest: savings, interest checking, money market accounts, CDs, and personal and business accounts at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older balances at the rates of earlier years, everyday transaction balances, and CDs that were priced in a different rate environment. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rate paid on interest-bearing deposits, quarterly. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Personal | ||||||||
| Plus Money Market | 2.50% | $25,000 | $0 | None | not stated | None | Tiered | |
| Business | ||||||||
| Business Money Market | 2.50% | $0 | $0 | None | not stated | None | Tiered | |
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| 3 Month CD | 3 months | 1.10% | $1,000 | not stated | not stated |
| 6 Month CD | 6 months | 3.65% | $1,000 | not stated | not stated |
| 1 Year CD | 12 months | 4.10% | $1,000 | not stated | not stated |
| 1 Year CD with Step-Up Option | 12 months | 3.75% | $1,000 | not stated | not stated |
| 18 Month CD with Step-Up Option | 18 months | 3.20% | $1,000 | not stated | not stated |
| 18 Month CD | 18 months | 3.45% | $1,000 | not stated | not stated |
| 2 Year CD with Step-Up Option | 24 months | 3.70% | $1,000 | not stated | not stated |
| 2 Year CD | 24 months | 3.95% | $1,000 | not stated | not stated |
| 3 Year CD with Step-Up Option | 36 months | 3.10% | $1,000 | not stated | not stated |
| 3 Year CD | 36 months | 3.35% | $1,000 | not stated | not stated |
| 4 Year CD with Step-Up Option | 48 months | 3.10% | $1,000 | not stated | not stated |
| 4 Year CD | 48 months | 3.35% | $1,000 | not stated | not stated |
| 5 Year CD with Step-Up Option | 60 months | 3.10% | $1,000 | not stated | not stated |
| 5 Year CD | 60 months | 3.35% | $1,000 | not stated | not stated |
Opening and using the account
| Availability | Nationally available |
|---|---|
| Footprint | 2 branches in NV, TX |
| Eligibility | not stated |
How Farm Bureau Bank FSB behaves over time
Farm Bureau Bank FSB has not changed its advertised savings rate in the 2 weeks since Banksparency began tracking it.
- Plus Money Market
- The same as 7 days ago.
- 12 months CD
- The same as 7 days ago.
- Rate last changed
- Aug 16, 2026(effective date)
$10,000 at the 2.50% APY Farm Bureau Bank FSB advertises on Plus Money Market grows to $10,250 in a year. Prices rose 3.4% in the year to July 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,917 does today. See how the federal funds rate shapes savings rates.
Farm Bureau Bank FSB CD rates over time
Who is Farm Bureau Bank FSB?
| Headquarters | Reno, NV |
|---|---|
| Founded | 1999 |
| Scale | $1.1B assets · $931M deposits, $897M of it interest-bearing (Q1 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 35157 |
Financial detail is in What Farm Bureau Bank FSB pays on deposits above.
Common questions about Farm Bureau Bank FSB
Is Farm Bureau Bank FSB FDIC insured?
Yes. Farm Bureau Bank FSB is FDIC insured under certificate 35157, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at Farm Bureau Bank FSB?
Farm Bureau Bank FSB requires a minimum deposit of $25,000 to open its Plus Money Market account, as observed on Sep 5, 2026. Check the bank's current terms before you open an account.
Does the 2.50% apply to my whole balance?
The 2.50% needs a balance of at least $1,000,000. Below that, the account advertises 0.05%. Rates are as observed on Sep 5, 2026.
Does Farm Bureau Bank FSB have branches?
Yes. Farm Bureau Bank FSB operates 2 branches according to FDIC branch records, in addition to its website and mobile apps.
Farm Bureau Bank FSB against its closest alternatives
| Bank | Savings APY | Rate paid (Q1 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Farm Bureau Bank FSB | 2.50% | 3.27% | $25,000 | 2 branches in NV, TX |
| Artisans' Bank | 2.50% | 2.02% | $5,000 | 13 branches in DE |
| Centreville Bank | 2.50% | 2.74% | $10,000 | 23 branches in CT, RI |
| TD Bank | 2.50% | 1.88% | $0 | 1,051 branches across 16 states |
Alternatives are the three tracked banks whose highest savings APY is closest to Farm Bureau Bank FSB's.
Similar banks and rate hubs
Banks in the same rate band with the same product mix:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.