Savings and Retirement

Farmers Bank & Trust offers a variety of investment options so you can choose a product that best suits your needs. Ask us about setting up automatic transfers to make saving money even easier!

Savings Account

Set aside funds with an account that earns higher interest rates paid on increased balances.

  • Initial deposit of $100 or $20 to open for children under 18 years of age
  • No monthly service charge with a minimum balance of $100.00, otherwise $3.00 per month
  • This service charge is waived if the primary account holder is under 18, until their 18th birthday
  • Limited to six convenient transfers* per month, $1.00 service charge per withdrawal thereafter

*Convenient transfers and withdrawals are defined as preauthorized, automatic, telephone, or computer transfer or by check, draft, debit card, or similar order to third parties.

Money Market Account

Earn attractive interest rates and build toward financial security.

  • Initial deposit of $1,000.00
  • No monthly service charge with a minimum balance of $1,000.00 or an average balance of $1,500.00. Otherwise, a $5.00 monthly service charge applies
  • Limited to six convenient transfers* per calendar month, $3.00 service charge per item over limit

*Convenient transfers and withdrawals are defined as preauthorized, automatic, telephone, or computer transfer or by check, draft, debit card, or similar order to third parties.

Certificates of Deposit

Certificates of Deposit (CD's) are a safe and low-risk way to invest funds that you do not need immediate access to. CD's traditionally offer a higher rate of interest than Savings and Money Market accounts.

Call your local branch for current rates or Contact Us.

IRAs

Farmers Bank offers several types of Individual Retirement Accounts (IRA's) to help you prepare for retirement. IRA's are a great way to save for your future and gain tax benefits today. Consult your tax advisor for the option(s) that best fit your needs.

Learn more about all the great e-Services from Farmers Bank & Trust.

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