What are the current interest rates at Farmers State Bank Center, TX?

Current rates for Farmers State Bank Center, TX include: 12-Month CD: 2.78%, 18-Month CD: 2.43%, 24-Month CD: 2.53%, 36-Month CD: 2.73%, 48-Month CD: 2.73%, 60-Month CD: 2.84%, Savings: 0.60%, MMA: 0.50%

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Farmers State Bank Center, TX Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Farmers State Bank Center, TX provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 4, 2026

Farmers State Bank Center, TX's 182 Day CD rates are at 3.76%, 1 Year CD rates are at 3.56%, 5 Year CD rates are at 2.84%, 5 Year IRA Certificates rates are at 2.84%, 1 Year CD rates are at 2.78%. Farmers State Bank Center, TX's savings rates are at 0.60%. Farmers State Bank Center, TX's money market rates are at 0.50%. MonitorBankRates evaluates the financial stability of Farmers State Bank Center, TX with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 13.83%. Rates were last updated on 04/04/2026.

Farmers State Bank Center, TX money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Farmers State Bank Center, TX? Share your experience about Farmers State Bank Center, TX by leaving a review below, or read customer reviews before you decide to use Farmers State Bank Center, TX.

Overall Health & Safety Grade

Excellent Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

13.83%

Excellent Higher than avg

Farmers State Bank Center, TX

115 Shelbyville St
Center, TX 75935

https://www.fsbctx.bank

Farmers State Bank Center, TX CD Rates

Product	Rate	APY	Term
182 Day CD	3.70%	3.76%	182 Day
Min Deposit $50,000 Min Balance $50,000 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.83%
1 Year CD	3.50%	3.56%	1 Year
Min Deposit $50,000 Min Balance $50,000 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.83%
5 Year CD	2.80%	2.84%	5 Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.83%
5 Year IRA Certificates	2.80%	2.84%	5
Min Deposit $500 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.83%
1 Year CD	2.75%	2.78%	1 Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.83%
3 Year CD	2.70%	2.73%	3 Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.83%
3 Year IRA Certificates	2.70%	2.73%	3
Min Deposit $500 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.83%
4 Year CD	2.70%	2.73%	4 Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.83%
4 Year IRA Certificates	2.70%	2.73%	4
Min Deposit $500 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.83%
182 Day CD	2.50%	2.53%	182 Day
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.83%
2 Year CD	2.50%	2.53%	2 Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.83%
2 Year IRA Certificates	2.50%	2.53%	2
Min Deposit $500 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.83%
30 Month CD	2.50%	2.53%	30 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.83%
30 Month IRA Certificates	2.50%	2.53%	30
Min Deposit $500 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.83%
18 Month CD	2.40%	2.43%	18 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.83%
18 Month IRA Certificates	2.40%	2.43%	18
Min Deposit $500 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.83%
91 Day CD	1.30%	1.31%	91 Day
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.83%

Farmers State Bank Center, TX Savings Rates

Product	Rate	APY	View More
Savings	0.60%	0.60%
Min Deposit $100 Min Balance $100 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.83%

Farmers State Bank Center, TX Money Market Rates

Product	Rate	APY
Money Market Plus Account	0.90%	0.90%
Min Deposit $500,000 Min Balance $500,000 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.83%
Money Market Plus Account	0.80%	0.80%
Min Deposit $250,000 Min Balance $250,000 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.83%
Money Market Plus Account	0.70%	0.70%
Min Deposit $100,000 Min Balance $100,000 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.83%
Money Market Plus Account	0.60%	0.60%
Min Deposit $50,000 Min Balance $50,000 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.83%
Money Market Plus Account	0.55%	0.55%
Min Deposit $25,000 Min Balance $25,000 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.83%
Money Market Account	0.50%	0.50%
Min Deposit $2,500 Min Balance $2,000 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.83%

Farmers State Bank Center, TX Checking Rates

Product	Rate	APY
Super NOW Checking	0.50%	0.50%
Min Deposit $2,000 Min Balance $2,000 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.83%
Gold Star Int Checking	0.28%	0.28%
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.83%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Farmers State Bank Center, TX is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Farmers State Bank Center, TX rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Farmers State Bank Center, TX's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Farmers State Bank Center, TX

Bank Holding Company FARMERS BANCSHARES INC

Address 115 Shelbyville St, Center, TX 75935 · Shelby

Website https://www.fsbctx.bank

FDIC Certificate # 13407

Established 07/07/1910

FDIC Insurance Date 01/01/1934

Domestic Offices 8

Total Branches 8

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 93/100

5.0

Exceptional Out of 5.0 Stars

13.83%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.6898%

Return on Equity (ROE) 14.3200%

Non-Performing Loans (NPL) 1.55%

Total Assets $403,992,000

Total Deposits $347,771,000

Equity Capital $54,092,000

Net Income $7,015,000

Headquarters Center

Total Offices 8

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About Farmers State Bank Center, TX

Is Farmers State Bank Center, TX a safe place to deposit money?

Yes, Farmers State Bank Center, TX is considered a safe financial institution. With a Texas Ratio of 13.832459348698%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Farmers State Bank Center, TX operate?

Farmers State Bank Center, TX currently maintains approximately 8 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Farmers State Bank Center, TX does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Farmers State Bank Center, TX provides members with tools to manage their accounts and build a solid financial history.

Does Farmers State Bank Center, TX offer online and mobile banking?

Most modern institutions like Farmers State Bank Center, TX provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fsbctx.bank.