Bank · FDIC insured
Farmers National Bank Savings Rates
Farmers National Bank’s best savings rate is 0.35% APY on $10,000, with its Investment Plus. Rates checked October 16, 2026.
How Farmers National Bank’s savings rates compare
Compared with banks and credit unions near Sterling, IL, where Farmers National Bank has the most branches. $10,000, best rate first.
This bank’s best
Farmers National Bank
0.35%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $35
Investment Plus
Top rate
Central Bank Illinois
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $100
- Earns on $10,000 a year
- $400
2nd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
Farmers National Bank savings score
75
Savings score
Higher than 40% of U.S. banks and credit unions
- $1,000 balance$1,0000.35%
- $10,000 balance$10,0000.35%
- $100,000 balance$100,0000.55%
- QualifiedQualified0.35%
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 National 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.
Investment Plus II
0.35%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.35% | $35 |
| $100,000 and up | 0.55% | — |
| $300,000 and up | 0.70% | — |
| $500,000 and up | 0.85% | — |
Sources (2)
- farmersnationalbank.bank/perso…ervices/personal-savings
- farmersnationalbank.bank/customer-resources/fnb-rates
All captured Oct 6, 2026
Investment Plus II
0.35%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.35% | $35 |
| $100,000 and up | 0.55% | — |
| $300,000 and up | 0.70% | — |
| $500,000 and up | 0.85% | — |
Sources (2)
- farmersnationalbank.bank/perso…ervices/personal-savings
- farmersnationalbank.bank/customer-resources/fnb-rates
All captured Oct 6, 2026
Investment Plus
Up to 0.35%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.30% | $30 |
| $10,000 and up | 0.35% | $35 |
| $25,000 and up | 0.40% | — |
| $50,000 and up | 0.45% | — |
| $100,000 and up | 0.55% | — |
Sources (2)
- farmersnationalbank.bank/perso…ervices/personal-savings
- farmersnationalbank.bank/customer-resources/fnb-rates
All captured Oct 6, 2026
Investment Plus
Up to 0.35%APY
Interest compounded and credited monthly. Monthly statement of activity that includes check images. Automatic funds transfer options. FREE Checks, FREE Debit Card & ATM access (MoneyPass), FREE Online/Digital Banking access. FDIC Insured.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.30% | $30 |
| $10,000 and up | 0.35% | $35 |
| $25,000 and up | 0.40% | — |
| $50,000 and up | 0.45% | — |
| $100,000 and up | 0.55% | — |
Sources (2)
- farmersnationalbank.bank/perso…ervices/personal-savings
- farmersnationalbank.bank/customer-resources/fnb-rates
All captured Oct 6, 2026
Money Market
Up to 0.35%APY
Withdrawals by preauthorization, automatic, telephone, or online/digital banking transfers are limited to six per month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.25% | $25 |
| $5,000 and up | 0.30% | $30 |
| $10,000 and up | 0.35% | $35 |
Sources (2)
- farmersnationalbank.bank/perso…ervices/personal-savings
- farmersnationalbank.bank/customer-resources/fnb-rates
All captured Oct 6, 2026
Special-purpose accounts
Christmas Club
0.35%APY
Select any amount to open at any time of the year. Free automatic transfers. Interest compounded and credited annually in October. Balance is disbursed in October (by check or direct deposit to another FNB checking or savings account). FREE Online/Digital Banking access. No minimum balance requirement. Quarterly or combined monthly statement availability. FDIC Insured.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Interest compounded and credited annually in October; balance disbursed in October.Over $0 | 0.35% | $35 | Interest compounded and credited annually in October; balance disbursed in October. |
Sources (2)
- farmersnationalbank.bank/perso…ervices/personal-savings
- farmersnationalbank.bank/customer-resources/fnb-rates
All captured Oct 6, 2026
Traditional Savings Account
0.35%APY
A $1.00 monthly service charge will be waived if the account holder maintains a daily balance of $50, maintains another checking, savings, CD or loan account with FNB with a balance of $1,000 or more on statement date, or is under the age of 18. Withdrawals by preauthorization, automatic, telephone or online/digital banking transfers are limited to six per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0$1.00 monthly service charge waived with $50 daily balance, $1,000 balance in another FNB account, or for account holders under 18.Over $0 | 0.35% | $35 | $1.00 monthly service charge waived with $50 daily balance, $1,000 balance in another FNB account, or for account holders under 18. |
Sources (2)
- farmersnationalbank.bank/perso…ervices/personal-savings
- farmersnationalbank.bank/customer-resources/fnb-rates
All captured Oct 6, 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.