Bank · FDIC insured
Farmers Bank Savings Rates
Farmers Bank’s best savings rate is 1.15% APY on $10,000, with its Premium Money Market Account. Rates checked October 22, 2026.
How Farmers Bank’s savings rates compare
Compared with banks and credit unions near Lexington, KY, where Farmers Bank has the most branches. $10,000, best rate first.
This bank’s best
Farmers Bank
1.15%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $115
Premium Money Market Account
Top rate
Republic Bank
3.75%APY
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000 a year
- $375
2nd-highest rate
Blue Grass Federal
3.50%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $350
Farmers Bank savings score
87
Savings score
Higher than 75% of U.S. banks and credit unions
- $1,000 balance$1,0001.15%
- $10,000 balance$10,0001.15%
- $100,000 balance$100,0001.15%
- QualifiedQualified1.15%
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 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.
Premium Money Market Account
1.15%APY
Must deposit $2,500.00 to open. Up to 6 pre-authorized transfers or withdrawals per month. $10.00 monthly service charge if daily balance falls below $2,500 anytime during statement cycle. Tiered rate structure.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Daily Balance <$10,000. Variable rate; rates may change after account opening. Fees could reduce earnings. Daily compounding. | 1.00% | — | Daily Balance <$10,000. Variable rate; rates may change after account opening. Fees could reduce earnings. Daily compounding. |
| $10,000 and upDaily Balance >= $10,000. Minimum daily balance to obtain APY is based on tiered rate structure. Variable rate; rates may change after account opening. Fees could reduce earnings. Daily compounding. | 1.15% | $115 | Daily Balance >= $10,000. Minimum daily balance to obtain APY is based on tiered rate structure. Variable rate; rates may change after account opening. Fees could reduce earnings. Daily compounding. |
Sources (2)
All captured Sep 19, 2026
Regular Money Market Account
0.90%APY
Must deposit $2,500.00 to open. Up to 6 pre-authorized transfers or withdrawals per month. $10.00 monthly service charge if daily balance falls below $2,500 anytime during statement cycle. Minimum daily balance of $2,500 to obtain disclosed APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upMinimum daily balance to obtain APY $2,500. Variable rate; rates may change after account opening. Fees could reduce earnings. Daily compounding.$2,500 and up | 0.90% | $90 | Minimum daily balance to obtain APY $2,500. Variable rate; rates may change after account opening. Fees could reduce earnings. Daily compounding. |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
Christmas Savings Club
1.15%APY
Check automatically sent in October. Interest compounded daily and credited on the day check is produced. $10 fee assessed for withdrawal prior to maturity (full withdrawal).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upMinimum daily balance of $10 to obtain APY. Daily compounding frequency. Variable rate. Check automatically sent in October. $10 fee for withdrawal prior to maturity.$10 and up | 1.15% | $115 | Minimum daily balance of $10 to obtain APY. Daily compounding frequency. Variable rate. Check automatically sent in October. $10 fee for withdrawal prior to maturity. |
Sources (2)
All captured Sep 19, 2026
Regular Statement Savings
1.15%APY
Interest compounded daily, credited quarterly. Free withdrawals/transfers up to 6 per quarterly statement cycle. $3.00 quarterly fee if daily balance falls below $250.00 (waived for minor accounts).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upMinimum daily balance of $250.00 to obtain APY. Daily compounding frequency. Variable rate. $3.00 fee if daily balance falls below $250 during quarterly cycle (waived for minors).$250 and up | 1.15% | $115 | Minimum daily balance of $250.00 to obtain APY. Daily compounding frequency. Variable rate. $3.00 fee if daily balance falls below $250 during quarterly cycle (waived for minors). |
Sources (2)
All 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.