Bank · FDIC insured
Farmers State Bank Savings Rates
Farmers State Bank’s best savings rate is 0.45% APY on $10,000, with its Platinum Money Market. Rates checked October 22, 2026.
How Farmers State Bank’s savings rates compare
Compared with banks and credit unions near Missoula, MT, where Farmers State Bank has the most branches. $10,000, best rate first.
This bank’s best
Farmers State Bank
0.45%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $45
Platinum Money Market
Top rate
Horizon Credit Union
3.03%APY
- Requires
- Monthly account activity
- Minimum
- $5
- Earns on $10,000 a year
- $303
2nd-highest rate
Montana Educators' Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
Farmers State Bank savings score
77
Savings score
Higher than 45% of U.S. banks and credit unions
- $1,000 balance$1,0000.45%
- $10,000 balance$10,0000.45%
- $100,000 balance$100,0000.75%
- QualifiedQualified0.45%
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 State 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.
Platinum Money Market
0.45%APY
Rates may change at any time. Fees may reduce earnings on the account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Rates may change at any time. Fees may reduce earnings on the account. | 0.45% | $45 | Rates may change at any time. Fees may reduce earnings on the account. |
| $100,000 – $250,000Rates may change at any time. Fees may reduce earnings on the account. | 0.75% | — | Rates may change at any time. Fees may reduce earnings on the account. |
| $250,000 – $500,000Rates may change at any time. Fees may reduce earnings on the account. | 1.11% | — | Rates may change at any time. Fees may reduce earnings on the account. |
| $500,000 – $1,500,000Rates may change at any time. Fees may reduce earnings on the account. | 1.46% | — | Rates may change at any time. Fees may reduce earnings on the account. |
| $1,500,000 and upRates may change at any time. Fees may reduce earnings on the account. | 3.45% | — | Rates may change at any time. Fees may reduce earnings on the account. |
Sources (1)
- farmersebank.com/Rates · captured Sep 16, 2026
Regular Savings
0.03%APY
Maintenance charge of $2 assessed if daily balance falls below $100.00 any time during statement cycle. $1.50 service charge per withdrawal over six per month (excluding ATM). Interest compounded and paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceIf daily balance falls below $100.00 any time during the statement cycle, maintenance charge of $2 is assessed. $1.50 service charge per withdrawal over six per month, not including ATM withdrawals.Any balance | 0.03% | $3 | If daily balance falls below $100.00 any time during the statement cycle, maintenance charge of $2 is assessed. $1.50 service charge per withdrawal over six per month, not including ATM withdrawals. |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
Montana Medical Savings
0.01%APY
Designed to finance eligible medical, dental, vision and long-term care expenses; can reduce taxable income for the State of Montana. Interest earned remains tax-free while in the account. Account holder responsible for maintaining records to document eligibility of payments.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest rate is lower than regular saving rate. No limitation on the amount deposited.Any balance | 0.01% | $1 | Interest rate is lower than regular saving rate. No limitation on the amount deposited. |
Sources (2)
All captured Sep 16, 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.