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Start Your Savings Journey Today
Building your savings can seem difficult -- if not impossible -- but the team at Farmers Savings Bank is here to cut through the red tape and help you begin your journey to financial freedom. We have savings accounts that are designed for all walks of life, no matter what your financial situation may be. Whether you're just starting your own journey, want to boost your current savings plan, or want to get your child started early, we have a plan for that!
Call our team today to discuss your options or visit us at your local branch to speak with us in person to open an account and start saving today.
Contact Us Find a Branch
| Account | Good fit for | Minimum balance / fee information | Interest | Key features | Opening deposit | Notes |
|---|---|---|---|---|---|---|
| STAR Savings | Customers who already have STAR Checking and want higher savings yields | No balance requirement; eligibility tied to STAR Checking qualifications | Tiered interest structure with premium rates available when STAR Checking requirements are met | Requires an active STAR Checking account; free e-Statements; ATM fee refunds up to $25 per month; Internet Banking access | $100 | Limit one STAR Savings and one STAR Checking per Social Security Number; account earnings depend on meeting STAR Checking qualifications. |
| Regular Savings | Customers looking for a straightforward everyday savings account | Maintain a $100 daily balance to earn the disclosed APY and avoid a $5 monthly maintenance fee1 | Interest paid and credited monthly | Free Internet Banking, Mobile Banking2, e-Statements, and Bankline; up to six free debits, withdrawals, or transfers per month3 | $100 | Additional transaction fees may apply beyond the six free monthly transactions. |
| Savers Plus | Savers who want higher earning potential through tiered interest rates | Maintain a $100 average daily balance to earn the disclosed APY and avoid a $5 monthly maintenance fee1 | Premium tiered interest rates based on account balance | Free Internet Banking, Mobile Banking2, e-Statements, and Bankline; automatic transfer options; up to six free debits, withdrawals, or transfers per month3 | $100 | Designed for customers focused on building larger balances while earning higher rates. |
| Christmas Club | Customers saving specifically for holiday expenses | No minimum balance requirement or maintenance fee; $100 minimum average daily balance required to earn the disclosed APY | Interest paid and credited monthly | Funds accumulate throughout the year; account balance is mailed to you by check in mid-October; free online and mobile banking2 services | $5 | Consumer accounts only; includes a free gift at account opening. |
| Precious Gems Savings | Children age 12 and younger learning to save | No minimum balance requirement or monthly maintenance fee; $100 daily balance required to earn interest | Earns interest when balance requirements are met | Kids Club membership opportunities, special events, birthday card, and a $5 bank bonus once the balance reaches $25 | $5 | Requires a parent or adult on the account; designed to make saving educational and fun. |
| Junior Gems Savings | Youth savers and teens | No monthly maintenance fee or minimum balance1; $100 average daily balance required to earn interest | Earns interest when balance requirements are met | Account is intended for teens who are no longer Precious Gems Kids Club members | $100 | Eligible between 13 - 18 years of age. |
2Mobile data and carrier charges may apply
3Fees may be implemented for additional transactions