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Savings


No matter your savings goals, we have products to fit your needs. Let us help your savings grow into a solid financial foundation for your future.

Compare All Savings, Money Markets, and CDs

High-Yield Savings & Money Market Accounts

Advantage Savings

A higher interest savings program for the larger investor with withdrawal capabilities.

  • $15,000 minimum opening balance
    If balance falls below $15,000, interest rate will be the same as the regular savings account. When balance goes back to $15,000, the interest will accrue at the Advantage rate.
  • 4 withdrawals (debits) per statement period
    A $25 excessive withdrawal fee will be assessed for every withdrawal (debit) over 4 per statement period.

Money Market Investment

A higher interest savings program with a competitive tiered interest rate structure and easy access your funds.

  • $1,000 minimum opening balance
    When you maintain a $1,000 minimum daily balance, you will avoid the monthly maintenance fee. Should your balance drop below $1,000, a $6 monthly maintenance fee will be assessed.
  • 6 withdrawals (debits) per statement period
    A $10 excessive withdrawal fee will be assessed for every withdrawal (debit) over 6 per statement period.
  • Interest is compounded monthly.

Student Savings

A higher interest unique savings program designed to meet the rising cost of college.

  • $50 minimum opening balance
  • $50 debit transaction fee for any withdrawal (debit) that is made before age 18
  • No service charge
  • This account automatically converts over to a regular savings account when child turns age 18
  • Interest is compounded monthly.

Personal Savings

Regular Savings

Flexible account which earns interest and allows funds to be withdrawn anytime.

  • $50 minimum opening balance
    When you maintain a $300 minimum daily balance, you will avoid the monthly maintenance fee. Should your balance drop below $300, a $3 monthly maintenance fee will be assessed. $3 fee is waived if account holder is under 18 years of age.
  • 6 withdrawals (debits) per statement period
    A $1 excessive withdrawal fee will be assessed for every withdrawal (debit) over 6 per statement period.
  • Interest is compounded monthly

Christmas Club Savings

Special interest earning account designed to help our customers meet those holiday expenses.

  • Funds are disbursed in October each year.
    Checks are mailed to your address or the amount may be automatically deposited into your checking or savings account.
  • Interest is paid at maturity.

Certificate of Deposit (CD)

A high interest savings program for depositors who can invest for a period of time, without the need for withdrawal privileges. The Farmers Bank Certificates of Deposit offer a safe, solid return on your investment and the flexibility of choosing a maturity date that meets your financial needs, ranging from 7 days to 5 years. Our fixed rate Certificates of Deposit allow you to lock-in a great rate, guaranteed for the length of your term. Enjoy the flexibility of choosing an amount and length of time that fits your personalized savings plan. Plus, you make the decision how you would like the interest paid to you.