First Service Bank (Arkansas) CD Rates — October 2026
As of October 22, 2026, First Service Bank (Arkansas)'s highest tracked CD rate is 4.30% APY on a 13-month CD ($10,000 minimum). That is 2.4 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 4.00% to 4.30% APY.
Tracking began .
First Service Bank (Arkansas) CD rates
6-, 13- and 24-month CDs. Early withdrawal penalties apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 6 months | 6-Month CD | $10,000 | 4.15% | −0.25% | Top 8% of tracked 6-month CDs · Verified October 22, 2026 |
| 13 months | 13-Month CD | $10,000 | 4.30% | −0.30% | Verified October 22, 2026 |
| 24 months | 24-Month CD | $10,000 | 4.00% | −0.87% | Top 25% of tracked 24-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are First Service Bank (Arkansas)'s best CD rates by term?
First Service Bank (Arkansas)'s best rate is 4.30% APY on 13 months, verified October 22, 2026.
- 6 mo4.15%
- 13 mo4.30%
- 24 mo4.00%
How much interest could a First Service Bank (Arkansas) CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$466.15 interest · $10,466.15 at maturity on $10,000.00.
4.30% APY · 13 months · 13-Month CD · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 6 months | Not estimated | $205.964.15% APY · 6-Month CD · Standard | $514.904.15% APY · 6-Month CD · Standard | $1,029.804.15% APY · 6-Month CD · Standard |
| 13 months | Not estimated | $466.154.30% APY · 13-Month CD · Standard | $1,165.394.30% APY · 13-Month CD · Standard | $2,330.774.30% APY · 13-Month CD · Standard |
| 24 months | Not estimated | $816.004.00% APY · 24-Month CD · Standard | $2,040.004.00% APY · 24-Month CD · Standard | $4,080.004.00% APY · 24-Month CD · Standard |
How First Service Bank (Arkansas) compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 395-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 14 of 95 tracked institutions with fresh 395-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| First Service Bank (Arkansas) (this institution)13-Month CD · Standard | 13 months | $10,000 | Branches in AR | 4.30% | October 22, 2026 |
| CIBC Bank USA (CIBC Agility)CIBC Agility™ Certificate of Deposit (CD) · Standard | 13 months | $1,000 | Available nationwide | 4.50% | October 22, 2026 |
| Sallie Mae BankCertificate of Deposit (CD) · Standard | 13 months | $2,500 | Available nationwide | 4.50% | October 22, 2026 |
| Synchrony BankCD · Standard | 13 months | Not stated | Available nationwide | 4.40% | October 22, 2026 |
| Del Norte Credit Union (highest tracked APY for this term)Share Certificate - $100,000+ Minimum Balance · Promotional | 13 months | $100,000 | Membership required · branches in NM | 5.23% | October 22, 2026 |
| Treasury (APY-equivalent) | 13 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.60% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking First Service Bank (Arkansas) on October 22, 2026.
About First Service Bank (Arkansas)
- Legal name
- First Service Bank
- Regulator ID
- FDIC 18519
- Headquarters
- Greenbrier, AR
- Available in
- AR
- Total assets
- $1.0 billion
- Also known as
- First Service Bank
- Website
- www.firstservicebank.com
Source: rates read from https://firstservicebank.com/personal-savings/. See the page text we read.
Frequently asked questions
What is the highest CD rate at First Service Bank (Arkansas)?
Among the rates we track, 4.30% APY on a 13-month CD, as of October 22, 2026.
What is the minimum deposit for a First Service Bank (Arkansas) CD?
The lowest minimum we found is $10,000.
How does First Service Bank (Arkansas)'s best CD rate compare with Treasury yields?
4.30% APY is −0.30% versus the 13-month Treasury yield of 4.60% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.30% a good CD rate?
It is 2.4 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are First Service Bank (Arkansas) CDs insured?
First Service Bank (Arkansas) is an FDIC-insured bank (FDIC 18519). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check First Service Bank (Arkansas)'s rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from First Service Bank (Arkansas)'s website and may change at any time. Confirm terms, minimums and eligibility with First Service Bank (Arkansas) before opening an account. This page is not financial advice.