Bank · FDIC insured
Farmers & Merchants Bank Savings Rates
Farmers & Merchants Bank’s best savings rate is 0.10% APY on $10,000, with its Savings Account. Rates checked October 16, 2026.
How Farmers & Merchants Bank’s savings rates compare
Compared with banks and credit unions near Dayton, OH, where Farmers & Merchants Bank has the most branches. $10,000, best rate first.
This bank’s best
Farmers & Merchants Bank
2.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $200
Kasasa Saver
Top rate
Pathways Financial Credit Union
4.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
Farmers & Merchants Bank savings score
76
Savings score
Higher than 41% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0003.56%
- QualifiedQualified2.00%
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 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.
Super Saver Savings
0.10%APY
Includes 4 withdrawals per month; $0.50 per transaction in excess of 4 thereafter. No monthly maintenance fee. Free quarterly paper statements or free e-statements.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.05% | — |
| $10,000 – $25,000 | 0.10% | $10 |
| $25,000 – $50,000 | 0.15% | — |
| $50,000 – $100,000 | 0.25% | — |
| $100,000 and up | 3.56% | — |
Sources (2)
- bankwithfm.com/loans/home-loan…nes-of-credit-heloc.html
- bankwithfm.com/personal/savings/super-saver-savings.html
All captured Sep 25, 2026
Kasasa Saver
Up to 2.00%APY
Free account linked to Kasasa Cash or Kasasa Cash Back checking. Requires meeting monthly qualification cycle requirements (at least 12 debit card purchases post and settle, enroll in e-statements, log into online banking) to earn premium rates. Limit 1 account per SSN.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000When qualifications are met in linked Kasasa Cash or Kasasa Cash Back account during monthly qualification cycle. | 2.00% | $200 | When qualifications are met in linked Kasasa Cash or Kasasa Cash Back account during monthly qualification cycle. |
| Any balanceApplies to all balances if monthly qualifications are not met in Kasasa Cash or Kasasa Cash Back account. | 0.05% | $5 | Applies to all balances if monthly qualifications are not met in Kasasa Cash or Kasasa Cash Back account. |
| $100,000 and upWhen qualifications are met in linked Kasasa Cash or Kasasa Cash Back account; 2.00% to 1.25% APY depending on balance in account (0.4988% interest rate on portion over $100,000). | 0.50% | — | When qualifications are met in linked Kasasa Cash or Kasasa Cash Back account; 2.00% to 1.25% APY depending on balance in account (0.4988% interest rate on portion over $100,000). |
Sources (2)
- bankwithfm.com/loans/personal-…al-vehicle-rv-loans.html
- bankwithfm.com/personal/savings/kasasa-saver.html
All captured Sep 25, 2026
Savings Account
0.10%APY
Includes 4 withdrawals per month; $0.50 per transaction in excess of 4 thereafter. No monthly maintenance fee. Free quarterly paper statements or free e-statements.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.05% | — |
| $10,000 – $25,000 | 0.10% | $10 |
| $25,000 – $50,000 | 0.15% | — |
| $50,000 and up | 0.25% | — |
Sources (2)
- bankwithfm.com/loans/home-loan…nes-of-credit-heloc.html
- bankwithfm.com/personal/savings/savings-account.html
All captured Sep 25, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs)
3.03%APY
Traditional IRA, Roth IRA, Coverdell ESA, and Self-Directed IRA options available. No setup fees, monthly fees, or annual maintenance fees. Fixed-rate IRA CDs are reported separately under certificates.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upRoth IRA Variable Rate. No setup fees, monthly fees, or annual maintenance fees.$500 and up | 3.03% | $303 | Roth IRA Variable Rate. No setup fees, monthly fees, or annual maintenance fees. |
Sources (3)
- bankwithfm.com/personal/saving…ates-of-deposit-cds.html
- bankwithfm.com/personal/saving…ement-accounts-iras.html
- bankwithfm.com/personal/savings
All captured Sep 25, 2026
Health Savings Account (HSAs)
0.25%APY
Must be covered under a qualified High-Deductible Health Plan (HDHP), not covered by another health plan, cannot be claimed as a dependent on another tax return, and cannot be enrolled in Medicare. Free e-statements or $3.00 monthly maintenance fee for paper statement.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$3.00 monthly maintenance fee for paper statements, waived with free e-statements.Any balance | 0.25% | $25 | $3.00 monthly maintenance fee for paper statements, waived with free e-statements. |
Sources (2)
- bankwithfm.com/loans/home-loan…nes-of-credit-heloc.html
- bankwithfm.com/personal/saving…avings-account-hsas.html
All captured Sep 25, 2026
Youth Savings
0.05%APY
Available to young savers up to age 18. Includes 4 withdrawals per month; $0.50 per transaction in excess of 4 thereafter. No monthly maintenance fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.05% | — |
Sources (2)
- bankwithfm.com/loans/home-loan…nes-of-credit-heloc.html
- bankwithfm.com/personal/savings/youth-savings.html
All captured Sep 25, 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.