The Football Association found Terry guilty following a four-day hearing.
A spokesman for Terry said the player was "disappointed" the FA had reached a "different conclusion" to the "not guilty verdict of a court of law".
In July, the ex-England skipper, 31, was cleared by Westminster Magistrates' Court of racially abusing Ferdinand.
The Terry statement continued: "He has asked for the detailed written reasons of the decision and will consider them carefully before deciding whether to lodge an appeal."