Your interest rate increases as your balance grows. See our Rate Sheet for current interest rates and related balances.

  • Tiered interest rate based on daily balance
  • Low $10 Minimum Balance to earn interest
  • Low initial opening deposit of $10
  • Quarterly average balance of only $100 waives the service charge of $10 per quarter.
  • Service charges waived for non-profit organizations.
  • Interest earned is compounded daily, credited quarterly.
  • Free and easy transferring between accounts to manage bills using NetTeller Online Banking or Instant InfoLine telephone banking
  • Activity Summary shown on your annual statement which is produced the end of May each year

1No fee charged by Farmers & Merchants Bank for transactions at other banks’ ATM’s. Other ATM owners may charge a fee.

Types of Business Savings