Bank · FDIC insured
Farmers & Merchants Bank Savings Rates
Farmers & Merchants Bank’s best savings rate is 0.25% APY on $10,000, with its Money Markets. Rates checked October 16, 2026.
How Farmers & Merchants Bank’s savings rates compare
Compared with banks and credit unions in Wisconsin, where Farmers & Merchants Bank has the most branches. $10,000, best rate first.
This bank’s best
Farmers & Merchants Bank
0.25%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $25
Money Markets
Top rate
Marshfield Medical Center Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $5
- Earns on $10,000 a year
- $500
2nd-highest rate
Flagstar Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Farmers & Merchants Bank savings score
73
Savings score
Higher than 34% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0001.26%
- QualifiedQualified0.25%
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 Markets
0.25%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $800 – $15,000 | 0.25% | $25 |
| $15,000 – $100,000 | 1.00% | — |
| $100,000 – $250,000 | 1.26% | — |
| $250,000 – $500,000 | 1.51% | — |
| $500,000 – $1,000,000 | 2.53% | — |
| $1,000,000 and up | 3.56% | — |
Sources (2)
All captured Oct 5, 2026
Regular Savings
0.15%APY
No minimums and no service fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.05% | — |
| $2,500 – $25,000 | 0.15% | $15 |
| $25,000 and up | 0.45% | — |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Kid’s Savings Account
0.75%APY
Designed for savers 0-17. No minimums or service fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Designed for savers ages 0-17.Over $0 | 0.75% | $75 | Designed for savers ages 0-17. |
Sources (2)
All captured Oct 5, 2026
Health Savings Account
0.25%APY
No minimums or service fees. Maximum contributions vary year to year.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $600 – $1,500 | 0.05% | — |
| $1,500 – $2,500 | 0.05% | — |
| $2,500 – $5,000 | 0.10% | — |
| $5,000 – $15,000 | 0.25% | $25 |
| $15,000 and up | 0.60% | — |
Sources (2)
All 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.