Personal Savings

Farmers & Merchants offers you everything a large bank does and more. With any of our Personal Savings accounts you’ll get great rates and friendly customer service to match. Plus, free online banking, mobile banking and e-statements. It’s another smart service designed just for you.

Pick from these Personal Savings accounts to best fit your financial goals.

Savings

  • $10 minimum deposit to open
  • Interest rate based on tiered balances (see rates)
  • No monthly fee if $200 daily balance is maintained
  • One debit/month free, $0.50/debit thereafter
  • $2/monthly fee if daily balance falls below $200

Youth Savings

  • For youth under 19 years old
  • $10 minimum balance to open
  • Interest rate based on tiered balances (see rates)
  • No monthly fee if $25 daily balance is maintained
  • One debit/month free, $0.50/debit thereafter
  • $2/monthly fee if daily balance falls below $25
  • Account converts to Passbook Savings at age 19

Money Market

  • No monthly fee if $2,500 daily balance is maintained
  • Interest rate based on tiered balances (see rates)
  • Six debits/month free, $7/debit thereafter
  • $8.50/monthly fee if daily balance falls below $2,500

Certificates of Deposit

  • $1,500 minimum deposit to open
  • Interest rates vary with term (see rates)

Health Savings

  • No minimum deposit to open
  • Interest rate based on tiered balances (see rates)
  • No daily balance requirement
  • $3/monthly fee waived if signed up for internet banking or emailed statements
  • Free debit card and first order of basic checks are free

Individual Retirement Accounts (IRAs)

  • Traditional and Roth IRAs available
  • Choose from variable or fixed rate options
  • Interest rates vary with type & term (see rates)

Stop by to open your new savings account today! Plus, find out more about our Classic VIP Club for account holders aged 55+ and our Star Savers program for customers, ages 0-18.

Farmers & Merchants Bank – Smart Bank. Smart You.