# First Service Bank (Arkansas) CD rates

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.

Canonical page: https://apyledger.com/cd-rates/first-service-bank-arkansas
Institution: First Service Bank (FDIC 18519)
Aliases: First Service Bank
Status: live
Last verified: 2026-10-23T03:19:42.000Z (October 22, 2026)
Official source: https://firstservicebank.com/personal-savings/
Coverage: 6-, 13- and 24-month CDs. Early withdrawal penalties apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 6-Month CD | standard | 6 months | $10,000 | 4.15% | Not ZIP-priced | −0.25% | 2026-10-23T03:19:42.000Z | [Snapshot 951](https://apyledger.com/snapshots/951) |
| 13-Month CD | standard | 13 months | $10,000 | 4.30% | Not ZIP-priced | −0.30% | 2026-10-23T03:19:42.000Z | [Snapshot 951](https://apyledger.com/snapshots/951) |
| 24-Month CD | standard | 24 months | $10,000 | 4.00% | Not ZIP-priced | −0.87% | 2026-10-23T03:19:42.000Z | [Snapshot 951](https://apyledger.com/snapshots/951) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.