Bank · FDIC insured
Farmers & Merchants Union Bank Savings Rates
Farmers & Merchants Union Bank’s best savings rate is 0.75% APY on $10,000, with its Savings. Rates checked October 16, 2026.
How Farmers & Merchants Union Bank’s savings rates compare
Compared with banks and credit unions near Madison, WI, where Farmers & Merchants Union Bank has the most branches. $10,000, best rate first.
This bank’s best
Farmers & Merchants Union Bank
0.75%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $75
Savings
Top rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Associated Bank
3.20%APY
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000 a year
- $320
Farmers & Merchants Union Bank savings score
82
Savings score
Higher than 60% of U.S. banks and credit unions
- $1,000 balance$1,0000.75%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0000.75%
- QualifiedQualified0.75%
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 Union 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 Checking
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5,000 – $50,000 | 0.05% | $5 |
| $50,000 – $100,000 | 0.14% | — |
| $100,000 – $250,000 | 0.64% | — |
| $250,000 – $1,000,000 | 1.40% | — |
| $1,000,000 – $4,000,000 | 2.42% | — |
| $4,000,000 and up | 2.93% | — |
Sources (1)
- fmub.bank/rates.html · captured Oct 5, 2026
Savings
0.75%APY
Option to set up account with custodial (WUTMA) management. $5 minimum balance fee if average daily balance falls below $100; waived if the primary account holder is 19 years old or younger. $5 paper statement fee waived with eStatements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Daily balance (the amount of principal in the account each day) to obtain APY. Monthly activity fee is $0. $5 minimum balance fee if average daily balance falls below $100 (waived if primary account holder is 19 or younger). Paper statement fee of $5 waived with eStatements.Over $0 | 0.75% | $75 | Daily balance (the amount of principal in the account each day) to obtain APY. Monthly activity fee is $0. $5 minimum balance fee if average daily balance falls below $100 (waived if primary account holder is 19 or younger). Paper statement fee of $5 waived with eStatements. |
Special-purpose accounts
Christmas Savings
0.75%APY
Check mailed or direct deposited annually on Oct 31. An early withdrawal penalty of the total of all accrued interest will be imposed on withdrawals before maturity.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Daily balance (the amount of principal in the account each day) to obtain APY. Monthly activity fee is $0. An early withdrawal penalty of the total of all accrued interest will be imposed on withdrawals before maturity. Check mailed or direct deposited annually on Oct 31.Over $0 | 0.75% | $75 | Daily balance (the amount of principal in the account each day) to obtain APY. Monthly activity fee is $0. An early withdrawal penalty of the total of all accrued interest will be imposed on withdrawals before maturity. Check mailed or direct deposited annually on Oct 31. |
Health Savings
0.50%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $2,000Daily balance (the amount of principal in the account each day) to obtain APY. | 0.30% | — | Daily balance (the amount of principal in the account each day) to obtain APY. |
| $2,000 – $10,000Daily balance (the amount of principal in the account each day) to obtain APY. | 0.40% | — | Daily balance (the amount of principal in the account each day) to obtain APY. |
| $10,000 – $15,000Daily balance (the amount of principal in the account each day) to obtain APY. | 0.50% | $50 | Daily balance (the amount of principal in the account each day) to obtain APY. |
| $15,000 and upDaily balance (the amount of principal in the account each day) to obtain APY. | 0.60% | — | Daily balance (the amount of principal in the account each day) to obtain APY. |
Sources (1)
- fmub.bank/rates.html · 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.