Bank · FDIC insured
Citizens-Farmers Bank Savings Rates
Citizens-Farmers Bank’s best savings rate is 1.00% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Citizens-Farmers Bank’s savings rates compare
Compared with banks and credit unions in Missouri, where Citizens-Farmers Bank has the most branches. $10,000, best rate first.
This bank’s best
Citizens-Farmers Bank
1.00%APY
- Minimum
- $100
- Earns on $10,000 a year
- $100
Money Market Account
Top rate
JM Associates FCU
5.12%APY
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
Metro Credit Union
5.09%APY
- Minimum
- —
- Earns on $10,000 a year
- $509
Citizens-Farmers Bank savings score
85
Savings score
Higher than 71% of U.S. banks and credit unions
- $1,000 balance$1,0001.00%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.51%
- QualifiedQualified1.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Citizens-Farmers Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Money Market Account
Up to 1.00%APY
* Daily Balance (balance in the account each day) to obtain APY. Fees may reduce earnings. Rates may change anytime.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upMinimum balance to obtain APY is based on daily balance. | 0.75% | $75 | Minimum balance to obtain APY is based on daily balance. |
| $1,000 and upBalance over $1,000.00. Minimum balance to obtain APY is based on daily balance. | 1.00% | $100 | Balance over $1,000.00. Minimum balance to obtain APY is based on daily balance. |
| $25,000 and upBalance over $25,000. Minimum balance to obtain APY is based on daily balance. | 1.26% | — | Balance over $25,000. Minimum balance to obtain APY is based on daily balance. |
| $50,000 and upBalance over $50,000. Minimum balance to obtain APY is based on daily balance. | 1.51% | — | Balance over $50,000. Minimum balance to obtain APY is based on daily balance. |
Sources (1)
- citizensfarmersbank.com/current-rates · captured Sep 17, 2026
Regular Savings
0.65%APY
Interest paid May 31st and November 30th. Four withdrawals per month allowed without a fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upDaily Balance (balance in the account each day). Fees may reduce earnings on the account. These rates may change anytime.$1 and up | 0.65% | $65 | Daily Balance (balance in the account each day). Fees may reduce earnings on the account. These rates may change anytime. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Christmas Club
0.65%APY
Interest paid annually. Check issued for full account balance November 1st.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upDaily Balance (balance in the account each day). Fees may reduce earnings on the account. These rates may change anytime.$1 and up | 0.65% | $65 | Daily Balance (balance in the account each day). Fees may reduce earnings on the account. These rates may change anytime. |
Sources (2)
All captured Oct 5, 2026
Closed to new customers
HomeTown Plus Account
0.65%APY
Account no longer offered.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $750 and upDaily Balance (balance in the account each day). Account no longer offered. Fees may reduce earnings on the account. These rates may change anytime.$750 and up | 0.65% | $65 | Daily Balance (balance in the account each day). Account no longer offered. Fees may reduce earnings on the account. These rates may change anytime. |
Sources (1)
- citizensfarmersbank.com/current-rates · captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.