Deposit Rates

We provide a range of superior financial products and services that offer nationally competitive account rates and higher than average yields.
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Performance Checking & Health Savings Account
Minimum Initial Deposit $100
Balance Interest Rate* APY*
Less than $2,500 0.00% 0.00%
Less than $2,500 with E-Option   0.05% 0.05%
$2,500 - $9,999 0.05% 0.05%
$2,500 - $9,999 with E-Option   0.05% 0.05%
$10,000 and up 0.05% 0.05%
$10,000 and up with E-Option   0.05% 0.05%
Performance Money Market
Minimum Initial Deposit $100
MMA Rates and Annual Percentage Yields [APY] valid for IRAs
Balance Interest Rate* APY*
Less than $2,500 0.01% 0.01%
Less than $2,500 with E-Option   0.01% 0.01%
$2,500 - $24,999 0.03% 0.03%
$2,500 - $24,000 with E-Option   0.03% 0.03%
$25,000 - $49,000 0.05% 0.05%
$25,000 - $49,000 with E-Option   0.08% 0.08%
$50,000 and up 0.08% 0.08%
$50,000 and up with E-Option   0.11% 0.11%
Plus Money Market
Minimum Initial Deposit $25,000
​MMA Rates and Annual Percentage Yields [APY] valid for IRAs
Balance Interest Rate* APY*
Less than $2,500 0.01% 0.01%
$2,500 - $9,999 0.03% 0.03%
$10,000 - $24,999 0.05% 0.05%
$25,000 - $49,999 0.10% 0.10%
$50,000 - $99,999 0.15% 0.15%
$100,000 - $249,999 0.20% 0.20%
$250,000 - $499,999 0.20% 0.20%
$500,000 - $999,999 0.20% 0.20%
$1,000,000 and up 0.20% 0.20%

All rates and APYs are with E-Option.

Business Money Market
No Minimum Initial Deposit
Balance Interest Rate* APY*
Less than $2,500 0.01% 0.01%
$2,500 - $9,999 0.03% 0.03%
$10,000 - $24,999 0.05% 0.05%
$25,000 - $49,999 0.10% 0.10%
$50,000 - $99,999 0.15% 0.15%
$100,000 - $249,999 0.20% 0.20%
$250,000 - $499,999 0.20% 0.20%
$500,000 - $999,999 0.20% 0.20%
$1,000,000 and up 0.20% 0.20%

All rates and APYs are with E-Option.

Insured Cash Sweep® (ICS)
Minimum to invest $250,000
FDIC insured up to $100 Million
Terms Interest Rate* APY*
$250,000 - $999,999 0.10% 0.10%
$1,000,000+ 0.18% 0.18%

Farm Bureau Bank offers ICS as an easy and convenient way to enjoy FDIC insurance of up to $100 Million for deposit amounts over $250,000. Have access to funds with 6 allowed withdrawals per month. For more information contact Relationship Banking Department at 210.637.4834 or email us.

Health Savings Money Market
Balance Interest Rate* APY*
Less than $2,500 0.01% 0.01%
Less than $2,500 with E-Option   0.01% 0.01%
$2,500 - $9,999 0.03% 0.03%
$2,500 - $9,999 with E-Option   0.03% 0.03%
$10,000 and up 0.05% 0.05%
$10,000 and up with E-Option   0.05% 0.05%

Health Savings Checking

Certificate of Deposit
Minimum Initial Deposit $1,000
Minimum for IRA CDs $1,000
Minimum for Jumbo CDs ≥ $50,000
CD Rates and Annual Percentage Yields [APY] valid for IRAs
Terms Interest Rate* APY*
3 Months 0.15% 0.15%
3 Months Jumbo CD   0.25% 0.25%
6 Months 0.20% 0.20%
6 Months Jumbo CD   0.30% 0.30%
1 Year 0.31% 0.31%
1 Year Jumbo CD   0.41% 0.41%
18 Months 0.35% 0.35%
18 Months Jumbo CD   0.45% 0.45%
2 Years 0.39% 0.39%
2 Years Jumbo CD   0.49% 0.49%
3 Years 0.44% 0.44%
3 Years Jumbo CD   0.54% 0.54%
4 Years 0.50% 0.50%
4 Years Jumbo CD   0.60% 0.60%
5 Years 0.55% 0.55%
5 Years Jumbo CD   0.65% 0.65%

Penalty for early withdrawal may reduce earnings.

CD with Step Up Option
Minimum Initial Deposit $1,000
Minimum for IRA CDs $1,000
Minimum for Jumbo CDs ≥ $50,000
CD Rates and Annual Percentage Yields [APY] valid for IRAs
Terms Interest Rate* APY*
1 Year 0.21% 0.21%
1 Year Jumbo CD   0.31% 0.31%
18 Months 0.25% 0.25%
18 Months Jumbo CD   0.35% 0.35%
2 Years 0.29% 0.29%
2 Years Jumbo CD   0.39% 0.39%
3 Years 0.34% 0.34%
3 Years Jumbo CD   0.44% 0.44%
4 Years 0.40% 0.40%
4 Years Jumbo CD   0.50% 0.50%
5 Years 0.45% 0.45%
5 Years Jumbo CD   0.55% 0.55%

Penalty for early withdrawal may reduce earnings.

Certificate of Deposit Account Registry Service® (CDARS)
Minimum to invest $250,000
FDIC insured up to $50 Million
Terms Interest Rate* APY*
3 Months 0.10% 0.10%
6 Months 0.15% 0.15%
1 Year 0.20% 0.20%
2 Years 0.30% 0.30%
3 Years 0.30% 0.30%
5 Years 0.40% 0.40%

A penalty may be imposed for withdrawals before maturity.

Farm Bureau Bank offers CDARS as an easy and convenient way to enjoy FDIC insurance of up to $50 Million for deposit amounts over $250,000. For more information contact Relationship Banking Department at 210.637.4834 or email us.

Performance Money Market IRA
Minimum Initial Deposit $100
Balance Interest Rate* APY*
Less than $2,500 0.01% 0.01%
Less than $2,500 with E-Option   0.01% 0.01%
$2,500 - $24,999 0.03% 0.03%
$2,500 - $24,000 with E-Option   0.03% 0.03%
$25,000 - $49,000 0.05% 0.05%
$25,000 - $49,000 with E-Option   0.08% 0.08%
$50,000 and up 0.08% 0.08%
$50,000 and up with E-Option   0.11% 0.11%
Plus Money Market IRA
Minimum Initial Deposit $25,000
Balance Interest Rate* APY*
Less than $2,500 0.01% 0.01%
$2,500 - $9,999 0.03% 0.03%
$10,000 - $24,999 0.05% 0.05%
$25,000 - $49,999 0.10% 0.10%
$50,000 - $99,999 0.15% 0.15%
$100,000 - $249,999 0.20% 0.20%
$250,000 - $499,999 0.20% 0.20%
$500,000 - $999,999 0.20% 0.20%
$1,000,000 and up 0.20% 0.20%

All rates and APYs are with E-Option.

Certificate of Deposit IRA
Minimum Initial Deposit $1,000
Minimum for IRA CDs $1,000
Minimum for Jumbo CDs ≥ $50,000
Terms Interest Rate* APY*
3 Months 0.15% 0.15%
3 Months Jumbo CD   0.25% 0.25%
6 Months 0.20% 0.20%
6 Months Jumbo CD   0.30% 0.30%
1 Year 0.31% 0.31%
1 Year Jumbo CD   0.41% 0.41%
18 Months 0.35% 0.35%
18 Months Jumbo CD   0.45% 0.45%
2 Years 0.39% 0.39%
2 Years Jumbo CD   0.49% 0.49%
3 Years 0.44% 0.44%
3 Years Jumbo CD   0.54% 0.54%
4 Years 0.50% 0.50%
4 Years Jumbo CD   0.60% 0.60%
5 Years 0.55% 0.55%
5 Years Jumbo CD   0.65% 0.65%

Penalty for early withdrawal may reduce earnings.

As with all IRAs, Federal withdrawal restrictions apply and a penalty will be imposed if there is an early withdraw from the account. Consult your tax advisor for more information.

CD with Step Up Option IRA
Minimum Initial Deposit $1,000
Minimum for IRA CDs $1,000
Minimum for Jumbo CDs ≥ $50,000
Terms Interest Rate* APY*
1 Year 0.21% 0.21%
1 Year Jumbo CD   0.31% 0.31%
18 Months 0.25% 0.25%
18 Months Jumbo CD   0.35% 0.35%
2 Years 0.29% 0.29%
2 Years Jumbo CD   0.39% 0.39%
3 Years 0.34% 0.34%
3 Years Jumbo CD   0.44% 0.44%
4 Years 0.40% 0.40%
4 Years Jumbo CD   0.50% 0.50%
5 Years 0.45% 0.45%
5 Years Jumbo CD   0.55% 0.55%

Penalty for early withdrawal may reduce earnings.

FB-org Money Market Account [MMA]
No Minimum Initial Deposit
Balance Interest Rate* APY*
Less than $2,500 0.05% 0.05%
$2,500 - $9,999 0.08% 0.08%
$10,000 - $24,999 0.10% 0.10%
$25,000 - $49,999 0.14% 0.14%
$50,000 - $99,999 0.18% 0.18%
$100,000 - $249,999 0.22% 0.22%
$250,000 - $499,999 0.22% 0.22%
$500,000 - $999,999 0.22% 0.22%
$1,000,000 and up 0.25% 0.25%

All rates and APYs are with E-Option.

FB-Org Certificates of Deposit [CDs]
Minimum Initial Deposit $1,000
Terms Interest Rate* APY*
1 Year FB Org CD 0.75% 0.75%
Penalty for early withdrawal may reduce earnings.
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Disclosures:

1 The Annual Percentage Yield [APY] and interest rate on tiered rate accounts will change based on the account balance, as indicated by the tiers on the Rate page. If the balance increases or decreases into a different tier, the new rate yield and rate will take effect the date the balance changes and applies to the entire balance of the account. Interest rates and corresponding APYs may change at the bank’s discretion. Fees could reduce earnings on the account.

2 The Annual Percentage Yield [APY] quoted by the bank assumes interest remains on deposit until maturity (if applicable). For deposit accounts, interest is compounded daily and paid monthly. Withdrawals prior to maturity will reduce earnings. There is a substantial penalty for early withdrawals from CDs. The interest rate paid on new CD accounts will be equal to the greater of (1) the interest rate that is in effect on the date a mailed application is postmarked or, (2) the interest rate that is in effect on the date the funds are received by the bank. Interest rates and corresponding APYs may change at the bank’s discretion. Fees could reduce earnings on the account.

Farm Bureau Bank deposit accounts are FDIC-insured up to $250,000 per depositor.

Interest rates and corresponding Annual Percentage Yields [APYs] may change at the bank’s discretion. Fees could reduce earnings on the account.