Bank · FDIC insured
Farmers & Merchants Bank of Colby Savings Rates
Farmers & Merchants Bank of Colby’s best savings rate is 5.00% APY, with its Elite Cash, with extra requirements. Rates checked October 16, 2026.
How Farmers & Merchants Bank of Colby’s savings rates compare
Compared with banks and credit unions near Denver, CO, where Farmers & Merchants Bank of Colby has the most branches. $10,000, best rate first.
This bank’s best
Farmers & Merchants Bank of Colby
2.00%APY
- Requires
- Monthly account activity
- Minimum
- $100
- Earns on $10,000 a year
- $200
Elite Saver
Top rate
Westerra Credit Union
6.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $600
2nd-highest rate
Solera
4.34%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $434
Farmers & Merchants Bank of Colby savings score
75
Savings score
Higher than 38% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified5.00%
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 Farmers & Merchants Bank of Colby 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.
Elite Cash
Up to 5.00%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Must enroll in eStatements; 10 debit card purchases; 1 ACH debit or credit; $100 min opening deposit | 5.00% | $500 | Must enroll in eStatements; 10 debit card purchases; 1 ACH debit or credit; $100 min opening deposit |
| Any balanceApplied when reward qualifications are not met during statement cycle | 0.05% | $5 | Applied when reward qualifications are not met during statement cycle |
| $10,000 and upMust enroll in eStatements; 10 debit card purchases; 1 ACH debit or credit; $100 min opening deposit | 0.75% | $75 | Must enroll in eStatements; 10 debit card purchases; 1 ACH debit or credit; $100 min opening deposit |
Sources (2)
- fmbcolby.com/personal-banking/personal-saving-accounts
- fmbcolby.com/personal-banking/checking-accounts
All captured Sep 18, 2026
Elite Saver
Up to 2.00%APY
Must have an Elite Cash Account and enroll in eStatements to qualify for reward rates. If reward qualifications are not met during statement cycle, earn 0.05% APY on balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Earn 2.00% APY on balances up to $50,000 when monthly reward qualifications are met (Elite Cash account and eStatements enrollment). | 2.00% | $200 | Earn 2.00% APY on balances up to $50,000 when monthly reward qualifications are met (Elite Cash account and eStatements enrollment). |
| Any balanceBase rate earned on balance if reward qualifications are not met during statement cycle. | 0.05% | $5 | Base rate earned on balance if reward qualifications are not met during statement cycle. |
| Over $50,000Earn 0.75% APY on balances over $50,000 when monthly reward qualifications are met (Elite Cash account and eStatements enrollment). | 0.75% | — | Earn 0.75% APY on balances over $50,000 when monthly reward qualifications are met (Elite Cash account and eStatements enrollment). |
Sources (1)
- fmbcolby.com/personal-banking/personal-saving-accounts · 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.