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Savings AccountsRegular SavingsGreen Thumb Savings**Interest Earners (Available through age 18)Christmas Club
Minimum Opening Deposit$50.00$50.00$10.00None
Transaction Limit6 per calendar quarter, $2 per withdrawal over six. See further detail for restrictions.6 per calendar quarter, $2 per withdrawal over six. See further detail for restrictions.6 per calendar quarter, $2 per withdrawal over six. See further detail for restrictions.No withdrawals. See further detail for restrictions.
Minimum ledger balance needed to avoid Quarterly Service Charge$50.00$50.00$10.00None
Quarterly Service Charge$6.00$10.00$6.00None (No early withdrawal. $5.00 fee to close early.)

**Checking account required to earn premium interest rate.


See Rates for current rate offerings. Click Here for Rates

Savings Accounts are considered dormant when there has been no activity for 12 months. Once dormant, the account is charged $5.00 per month if balance is less than $1,000.


Federal Regulations limit the number of withdrawals or transfers that may be made from a savings account to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third part to six (6) per calendar month or statement cycle*.  Regardless, of the type of transaction, you may make six (6) withdrawals from your account each calendar quarter with no fee; withdrawals exceeding six (6) including electronic withdrawals , will be subject to a $2.00 transaction fee.

*If your savings account statement is combined with your checking account statement you are limited to nor more than six (6) withdrawals per statement cycle.  If you receive your savings account statement quarterly you are limited to no more than six (6) withdrawals per calendar month.


Green Thumb Savings
**Must maintain a checking account with Farmers Bank to obtain the premium interest rate.
Required opening deposit amount is $50.00.

Required minimum ledger balance is $50.00.

Below the required minimum, there is a quarterly service charge of $10.00.

Service Charge per each withdrawal in excess of six (6) per calendar quarter including electronic withdrawal is $2.00.

Premium Interest Rate paid
Quarterly Interest transferred to checking account.

Combined Statements with checking account give you a collective view of your accounts.



Interest Earners
For our customers up to 18 years old.
Minimum to open: $10 

Required minimum balance: $10
Service charge is $6 if you fall below the minimum balance in a quarter.

Regular Savings Account
Required minimum to open: $50
Minimum balance to avoid a service charge: $50

Service charge is $6 if you fall below the minimum balance in a quarter.

Christmas Club
Automatic deduction from your Farmers Bank checking or savings and the deposit can be made in any increment.
Account number remains the same from year to year.
Simple interest is credited to the account annually.
No early withdrawal.  
Account must close and a service charge of $5 will be assessed.

Certificates of Deposit and Individual Retirement Accounts
Terms from 32 days to 10 years. Fixed rate and variable options. There are penalties for early withdrawal.

See Rates for current rate offerings. Click Here for Rates