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At Farmers Bank, we believe that creating a secure tomorrow begins with taking steps toward saving today. Our savings accounts offer a variety of benefits, services, and interest-bearing resources to help our customers build wealth for their future.

Basic Account Information

Interest Rate

Farmers Bank savings accounts are interest-bearing accounts, with interest deposited to the account semi-annually. The interest rate and annual percentage yield are included in the Interest Rate Chart. (The interest rate and annual percentage yield may change.) At our discretion, we may change the interest rate on the account weekly. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be computed semi-annually and will be credited to the account semi-annually.

Balance Information

We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum average daily balance of $100.00 to obtain the disclosed annual percentage yield.


You must deposit $100.00 to open this account. Only 3 withdrawals per statement cycle are allowed before excessive withdrawal fees are assessed. Any withdrawals in excess of the three allowed are assessed a fee of $3.00 per withdrawal.

Account Fees

A maintenance fee of $4.00 will be imposed every statement cycle if the daily minimum balance for the statement cycle falls below $300.00.

Savings Accounts

Farmers Bank savings accounts are interest-bearing accounts, with interest deposited to the account semi-annually.

Money Market Accounts

Our Money Market account holders receive the benefit earnings a competitive rate with limited transactions.  Tiered pricing is available.  Ask us for the most current rates and terms.

IRA Savings Accounts

With each passing day, you get closer to retirement.  Start planning for it now.  We can help you achieve financial security in those golden years with an IRA savings account.

Savings Plus CD

This account offers competitve interest rates associated with a traditional certificate of deposit, combined with the flexibility to make additional deposits when it’s right for you.

Certificate of Deposit

CDs offer higher interest rates with maturity dates ranging from 3 to 60 months.  This type of account is ideal for longer term savings goals and retirement.

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