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.

  • Benefits include:
  • Interest compounded and credited quarterly
  • Quarterly or combined monthly statement of activity
  • FREE Online/Digital Banking access
  • FREE ATM access
  • Account is FREE to account holders under the age of 18
  • FDIC Insured
  • A $1.00 monthly service charge will be waived if any one of the following applies:
  • Maintain a daily balance of $50
  • 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
  • Any persons under the age of 18
  • 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.

  • Benefits include:
  • Monthly statement of activity that includes check images
  • Interest compounded and credited monthly
  • Automatic funds transfer available
  • FREE Checks
  • FREE Debit Card & ATM access (MoneyPass)
  • FREE Online/Digital Banking access
  • FDIC Insured
  • 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.

  • Benefits include:
  • Monthly statement of activity that includes check images
  • Interest compounded and credited monthly
  • Automatic funds transfer options
  • FREE Checks
  • FREE Debit Card & ATM access (MoneyPass)
  • FREE Online/Digital Banking access
  • FDIC Insured

Christmas Club

Our savings program for holiday giving that also pays a competitive rate of interest.

  • Select any amount to open at any time of the year
  • Free automatic transfers
  • Interest compounded and credited annually in October
  • Balance is disbursed in October (by check or direct deposit to another FNB checking or savings account)
  • FREE Online/Digital Banking access
  • No minimum balance requirement
  • Quarterly or combined monthly statement availability
  • FDIC Insured

Savings Rates

Rates effective as of 8/8/2022.

TermMinimum BalanceInterest RateAPY
Investment Plus II$500,000 0.55%0.55%
$300,000 0.45%0.45%
$100,000 0.35%0.35%
$0.010.20%0.20%
Investment Plus$100,000 0.35%0.35%
$50,000 0.30%0.30%
$25,000 0.25%0.25%
$10,000 0.20%0.20%
$0.010.15%0.15%
Money Market$10,000 0.20%0.20%
$5,000 0.15%0.15%
$0.010.10%0.10%
Savings$0.010.20%0.20%
Christmas Club$0.010.20%0.20%
* APY = Annual Percentage Yield - Fees may reduce earnings. 
APY is subject to change without notice. 
Rates may change after account is open.