Farmers and Merchants Bank offers a variety of savings accounts to fit your needs. All of our savings accounts earn interest and your deposits with us are FDIC insured.

Our savings plans come with the perfect financial combination: competitive interest rates and easy access to your funds. Plus, you'll have the convenience of our Free Online Banking to view your account information, make payments, transfers and more.

Check out our current rates on our Savings Accounts here!

Click here to get the current rates on our Lazy River Kids Club Savings Account!

  1. Statement Savings
    Earn interest with no monthly maintenance fee when you keep a $100 minimum balance. Interest paid quarterly. Minimum deposit to open is $100.
  2. Minor Savings
    Open an account with as little as $25. No maintenance fee up to 18 years of age. Interest paid quarterly.
  3. Lazy River Kids Club Savings
    This account is currently paying a variable premium rate on deposits $25.00 to $4999.99 to persons under 18. Minimum opening deposit is $25.00. Restrictions apply. Interest paid quarterly.
  4. Christmas Club & Vacation Club
    Christmas Club begins in October and Vacation Club begins in April. Each runs for 50 weeks to help you put your money away for big expenditures. Payments are auto-debited from a checking or savings at FMB. Interest paid at the end of 50 weeks.

(If Savings Account is closed by the customer within the first 90 days from the opening date, a $15 Early Account Closing Fee will be charged.)


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