Savings


Big things come from small beginnings, so don’t wait to start your savings account! 

Start saving today – choose from the following three accounts.

















Regular Savings

  • Competitive interest, paid quarterly
  • Quarterly statements
  • Free online & mobile banking
  • Minimum opening deposit of $100
  • Minimum balance of $50
  • Students 22 and younger + persons 62 and better have no opening deposit and no minimum balance requirements!
$1.50+tax fee if balance falls below $50.
6 free withdrawals per monthly statement cycle ($1+tax per withdrawal over 6.)

Hi-Fi Savings

  • Competitive tiered interest rates
  • Monthly statements
  • Free online & mobile banking
  • Minimum balance of $1,000
$5+tax fee if balance falls below $1,000.
6 free withdrawals per monthly statement cycle.
$1+tax per withdrawal over 6.
$1,000 minimum to earn interest. No interest will be paid for each day balance is below minimum.

Christmas Club

  • Interest, paid quarterly
  • Quarterly statements
  • Minimum opening deposit of $20
  • Minimum balance of $20
  • Disbursement checks available by November 15th each year
If a withdrawal is made from this account before November 15th, then this account will be closed.
$20 minimum to earn interest. No interest will be paid for each day balance is below minimum.
Forfeiture of all interest earned and account will be closed for early withdrawals.



Farmers State Bank will provide full account disclosures at the time an account is opened.