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Savings Accounts

REGULAR SAVINGS
The Regular Savings Account is an account that compounds interest daily.

Interest compounded daily on the average daily balance and credited to the account every quarter.  Any accrued interest will be paid if the account is closed prior to the statement date.

  • Savings for financial security
  • Automatic transfer of funds from/to savings and/or checking accounts

REQUIREMENTS:  Minimum deposit of $25.00 to open this account.

SERVICE CHARGES:  Six (6) withdrawals per month* with no charge.
                                       After sixth withdrawal, $1.00 charge per withdrawal. 

* You may make no more than six preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, debit card or similar transactions from your account per month or statement cycle.

 

TWIG SAVINGS
The Twig Savings Account is designed for children up to eighteen (18) years of age.

Interest compounded daily on the average daily balance and credited to the account monthly.  Any accrued interest will be paid if the account is closed prior to the statement date.  Twig Accounts earn a higher interest rate than a regular savings account on balance up to $500.

  • Savings for financial security
  • Automatic transfer of funds from/to savings and/or checking accounts

REQUIREMENTS:  Any deposit amount will open this account.

SERVICE CHARGES:  Six (6) withdrawals per month* with no charge.
                                       After sixth withdrawal $1.00 charge per withdrawal.

* You may make no more than six preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, debit card or similar transactions from your account per month or statement cycle.

 

CHRISTMAS CLUB ACCOUNT

  • Interest earned is at a predetermined rate disclosed at account opening
  • Accrued interest will not be paid if the account is closed early
  • Allows customers to have extra cash for Christmas
  • Automatic transfer of funds from a Farmers and Miners Bank checking or savings account
  • Matures during the month of October

REQUIREMENTS:  Minimum to open this account is $2.00.

SERVICE CHARGES:  No monthly service charge.
                                       Withdrawal made before maturity forfeits one payment.

 

SUPER SAVINGS (Money Market) ACCOUNT
An account for those interested in higher interest!

  • Competitive tiered interest rates
  • $2,500 minimum opening balance
  • No service charge regardless of balance
  • Permitted to write 6 checks per month
  • Easy-to-balance monthly statement
  • Unlimited withdrawals in person
  • ATM Card or VISA Debit Card available

* You may make no more than six preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, debit card, or similar transactions from your account per month or statement cycle.

For more information about FDIC Insurance, please use the FDIC's Electronic Deposit Insurance Estimator (EDIE).

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