Bank · FDIC insured
Farmers Trust & Savings Bank Savings Rates
Farmers Trust & Savings Bank’s best savings rate is 0.75% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Farmers Trust & Savings Bank’s savings rates compare
Compared with banks and credit unions near Spencer, IA, where Farmers Trust & Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Farmers Trust & Savings Bank
0.75%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $75
Money Market
Top rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
2nd-highest rate
Telco Triad Community Credit Union
1.25%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $125
Farmers Trust & Savings Bank savings score
83
Savings score
Higher than 61% of U.S. banks and credit unions
- $1,000 balance$1,0000.35%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0001.26%
- QualifiedQualified0.75%
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 Trust & Savings 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
0.75%APY
Fees and/or withdrawals may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $9,999Minimum balance of $.01 to obtain APY. | 0.35% | — | Minimum balance of $.01 to obtain APY. |
| $9,999 – $49,999Minimum balance of $.01 to obtain APY. | 0.75% | $75 | Minimum balance of $.01 to obtain APY. |
| $49,999 – $99,999Minimum balance of $.01 to obtain APY. | 1.00% | — | Minimum balance of $.01 to obtain APY. |
| $99,999 – $249,999Minimum balance of $.01 to obtain APY. | 1.26% | — | Minimum balance of $.01 to obtain APY. |
| $249,999 and upMinimum balance of $.01 to obtain APY. | 1.41% | — | Minimum balance of $.01 to obtain APY. |
Sources (1)
- farmerstrust.bank/rates · captured Oct 16, 2026
Traditional Savings
0.35%APY
| BalanceRequirement | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Any balanceAccount holder must be under age 23, or 62 years or olderAny balance · $20 to open | 0.35% | $20 | $35 | Account holder must be under age 23, or 62 years or older |
| Any balanceAccount holder must be 24-61 years of age; $5 fee if minimum daily balance falls below $100 during statement cycleAny balance · $100 to open | 0.35% | $100 | $35 | Account holder must be 24-61 years of age; $5 fee if minimum daily balance falls below $100 during statement cycle |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Health Savings Account
0.25%APY
Must be covered under a high-deductible health plan. No setup or annual fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $999 | 0.15% | — |
| $999 – $14,999 | 0.25% | $25 |
| $14,999 and up | 0.35% | — |
Sources (2)
All captured Oct 5, 2026
Tiger Cub Club
0.35%APY
Account holder must be a child under age 13 (parent of child age 12 or below). No service or monthly fees. $5 monthly dormant fee after 18 months of inactivity if balance is below $500.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest compounded and credited monthly.Any balance | 0.35% | $35 | Interest compounded and credited monthly. |
Sources (3)
- farmerstrust.bank/personal-ban…roducts/savings-accounts
- farmerstrust.bank/personal-ban…-club-savings-disclosure
- farmerstrust.bank/rates
All captured Oct 5, 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.