Bank · FDIC insured
Farmers & Merchants Bank Savings Rates
Top CarrotFarmers & Merchants Bank’s best savings rate is 1.81% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Farmers & Merchants Bank’s savings rates compare
Compared with banks and credit unions in Kansas, where Farmers & Merchants Bank has the most branches. $10,000, best rate first.
This bank’s best
Farmers & Merchants Bank
1.81%APY
- Minimum
- $0
- Earns on $10,000 a year
- $181
Money Market Account
Top rate
Communication Federal Credit Union
3.75%APY
- Minimum
- —
- Earns on $10,000 a year
- $375
2nd-highest rate
Truity Credit Union
3.75%APY
- Minimum
- $0
- Earns on $10,000 a year
- $375
Farmers & Merchants Bank savings score
89
Savings score
Higher than 86% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0001.81%
- $100,000 balance$100,0001.86%
- QualifiedQualified1.81%
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 Farmers & Merchants 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
1.81%APY
Avoid a $10 monthly maintenance fee by maintaining a daily balance of $5,000. No minimum deposit to open.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,001Avoid a $10 monthly maintenance fee by maintaining a daily balance of $5,000. Rates may change after the account is opened. Fees may reduce earnings. | 1.81% | $181 | Avoid a $10 monthly maintenance fee by maintaining a daily balance of $5,000. Rates may change after the account is opened. Fees may reduce earnings. |
| $25,001 – $100,001Avoid a $10 monthly maintenance fee by maintaining a daily balance of $5,000. Rates may change after the account is opened. Fees may reduce earnings. | 1.86% | — | Avoid a $10 monthly maintenance fee by maintaining a daily balance of $5,000. Rates may change after the account is opened. Fees may reduce earnings. |
| $100,001 – $250,001Avoid a $10 monthly maintenance fee by maintaining a daily balance of $5,000. Rates may change after the account is opened. Fees may reduce earnings. | 1.96% | — | Avoid a $10 monthly maintenance fee by maintaining a daily balance of $5,000. Rates may change after the account is opened. Fees may reduce earnings. |
| $250,001 – $500,001Avoid a $10 monthly maintenance fee by maintaining a daily balance of $5,000. Rates may change after the account is opened. Fees may reduce earnings. | 2.02% | — | Avoid a $10 monthly maintenance fee by maintaining a daily balance of $5,000. Rates may change after the account is opened. Fees may reduce earnings. |
| $500,001 and upAvoid a $10 monthly maintenance fee by maintaining a daily balance of $5,000. Rates may change after the account is opened. Fees may reduce earnings. | 2.17% | — | Avoid a $10 monthly maintenance fee by maintaining a daily balance of $5,000. Rates may change after the account is opened. Fees may reduce earnings. |
Sources (2)
- fmbmilligan.com/accounts/perso…oney-market-account.html
- fmbmilligan.com/services-tools/tools/rates.html
All captured Sep 18, 2026
Regular Savings Account
0.50%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRates may change after the account is opened. Fees may reduce earnings.Any balance | 0.50% | $50 | Rates may change after the account is opened. Fees may reduce earnings. |
Sources (3)
- fmbmilligan.com/accounts/perso…lar-savings-account.html
- fmbmilligan.com/accounts/personal-savings
- fmbmilligan.com/services-tools/tools/rates.html
All captured Sep 18, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs)
4.58%APY
Traditional and Roth IRA options available. Subject to IRS contribution limits and rules.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRates may change after the account is opened. Fees may reduce earnings.Any balance | 4.58% | $458 | Rates may change after the account is opened. Fees may reduce earnings. |
Sources (3)
- fmbmilligan.com/accounts/personal-savings
- fmbmilligan.com/accounts/perso…ement-accounts-iras.html
- fmbmilligan.com/services-tools/tools/rates.html
All captured Sep 18, 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.