Bank · FDIC insured
Farmers Bank and Trust Savings Rates
A $247.8M bank headquartered in Princeton, KY, with 3 branches in Kentucky.
How Farmers Bank and Trust’s savings rates compare
Compared with banks and credit unions in Kentucky, where Farmers Bank and Trust has the most branches. $10,000, best rate first.
Top rate
LG&E Co. Credit Union
5.12%APY
- Minimum
- $50
- Earns on $10,000 a year
- $512
2nd-highest rate
General Electric Credit Union
4.25%APY
- Minimum
- $0
- Earns on $10,000 a year
- $425
3rd-highest rate
Beacon Community Credit Union
4.00%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Closed to new customers
Christmas Club Account
2.00%APY
Exclusively available to active account holders (defined as checking or savings accounts having regular deposit activity within the last 30 days). 50-week club year paying out in October. Deposits must be transferred from an active checking or savings account. Multiple accounts permitted up to $5,000 total per year and weekly deposits not to exceed $100 per week across all accounts. $25 fee if closed prior to payout.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate paid from opening until end of 50-week club year or account closure. Interest compounded and paid at end of club year. Daily balance method. Deposits only via transfer from checking or savings at bank. Payout in October.Any balance | 2.00% | $200 | Rate paid from opening until end of 50-week club year or account closure. Interest compounded and paid at end of club year. Daily balance method. Deposits only via transfer from checking or savings at bank. Payout in October. |
Sources (1)
- yournxtbank.com/personal/perso…tion-and-christmas-clubs · captured Sep 19, 2026
Vacation Club Account
1.00%APY
Exclusively available to active account holders (defined as checking or savings accounts having regular deposit activity within the last 30 days). 50-week club year paying out in March. Deposits must be transferred from an active checking or savings account. Multiple accounts permitted up to $5,000 total per year and weekly deposits not to exceed $100 per week across all accounts. $25 fee if closed prior to payout.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate paid from opening until end of 50-week club year or account closure. Interest compounded and paid at end of club year. Daily balance method. Deposits only via transfer from checking or savings at bank. Payout in March.Any balance | 1.00% | $100 | Rate paid from opening until end of 50-week club year or account closure. Interest compounded and paid at end of club year. Daily balance method. Deposits only via transfer from checking or savings at bank. Payout in March. |
Sources (1)
- yournxtbank.com/personal/perso…tion-and-christmas-clubs · captured Sep 19, 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.