Bank · FDIC insured
Farmers State Bank Savings Rates
Farmers State Bank’s best savings rate is 0.10% APY on $10,000, with its Money Market Checking. Rates checked October 16, 2026.
How Farmers State Bank’s savings rates compare
Compared with banks and credit unions near St. Joseph, MO-KS, where Farmers State Bank has the most branches. $10,000, best rate first.
This bank’s best
Farmers State Bank
0.10%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $10
Money Market Checking
Top rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
North American Savings Bank
3.60%APY
- Minimum
- $10,000
- Earns on $10,000 a year
- $360
Farmers State Bank savings score
65
Savings score
Higher than 14% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.10%
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.
Money Market Checking
0.10%APY
Six withdrawals allowed per month; excess debit fees may apply. Interest compounded and credited monthly.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| $2,500 – $24,999$2,500 to open | 0.10% | $2,500 | $10 |
| $25,000 – $49,999$25,000 to open | 0.15% | $25,000 | — |
| $50,000 and up$50,000 to open | 0.20% | $50,000 | — |
Sources (2)
All captured Sep 18, 2026
Savings Account
0.10%APY
Interest compounded and paid quarterly. Semi-annual statement detailing activity. 6 free withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (3)
All captured Sep 18, 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.