Personal Savings Accounts
Farmers National Bank offers a variety of savings products paying competitive interest to help you select the right solution to fit your needs.
Traditional Savings Account
Perfect account for your traditional savings needs.
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Benefits include:
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Interest compounded and credited quarterly
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Quarterly or combined monthly statement of activity
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FREE Online/Digital Banking access
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FREE ATM access
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Account is FREE to account holders under the age of 18
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FDIC Insured
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A $1.00 monthly service charge will be waived if any one of the following applies:
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Maintain a daily balance of $50
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Maintain another checking, savings, CD or loan account with FNB that has a balance of $1,000 or more in any one account on your statement date
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Any persons under the age of 18
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Withdrawals by preauthorization, automatic, telephone or online/digital banking transfers are limited to six per month.
Money Market
An easily accessible account earns market interest rates.
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Benefits include:
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Monthly statement of activity that includes check images
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Interest compounded and credited monthly
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Automatic funds transfer available
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FREE Checks
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FREE Debit Card & ATM access (MoneyPass)
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FREE Online/Digital Banking access
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FDIC Insured
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Withdrawals by preauthorization, automatic, telephone, or online/digital banking transfers are limited to six per month.
Investment Plus
This account earns a very competitive rate of interest and it's also easily accessible.
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Benefits include:
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Monthly statement of activity that includes check images
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Interest compounded and credited monthly
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Automatic funds transfer options
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FREE Checks
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FREE Debit Card & ATM access (MoneyPass)
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FREE Online/Digital Banking access
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FDIC Insured
Christmas Club
Our savings program for holiday giving that also pays a competitive rate of interest.
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Select any amount to open at any time of the year
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Free automatic transfers
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Interest compounded and credited annually in October
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Balance is disbursed in October (by check or direct deposit to another FNB checking or savings account)
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FREE Online/Digital Banking access
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No minimum balance requirement
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Quarterly or combined monthly statement availability
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FDIC Insured
Savings Rates
Rates effective as of 10/14/2025
| Term | Minimum Balance | Interest Rate | APY |
|---|---|---|---|
| Investment Plus II | $500,000 | 0.85% | 0.85% |
| $300,000 | 0.70% | 0.70% | |
| $100,000 | 0.55% | 0.55% | |
| $0.01 | 0.35% | 0.35% | |
| Investment Plus | $100,000 | 0.55% | 0.55% |
| $50,000 | 0.45% | 0.45% | |
| $25,000 | 0.40% | 0.40% | |
| $10,000 | 0.35% | 0.35% | |
| $0.01 | 0.30% | 0.30% | |
| Money Market | $10,000 | 0.35% | 0.35% |
| $5,000 | 0.30% | 0.30% | |
| $0.01 | 0.25% | 0.25% | |
| Savings | $0.01 | 0.35% | 0.35% |
| Christmas Club | $0.01 | 0.35% | 0.35% |
| * APY = Annual Percentage Yield - Fees may reduce earnings. APY is subject to change without notice. Rates may change after account is open. |
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