Savings

Person paying bills on their laptop.

We have a savings plan that will help your money grow!

All of our Personal Savings Accounts include:

  • Free Online Banking & Mobile Apps
  • Free Mastercard® Debit Card
    or ATM Card*
*Statement Savings accounts include an ATM card rather than a Mastercard debit card. Card availability is subject to account eligibility and applicable terms.

EVERYDAY SAVINGS

Statement Savings

  • Interest: Variable interest compounded daily
  • Opening Deposit: $100
  • Statements: Quarterly
  • Minimum Balance: $100
  • Service Fee: None if balance > $100 or $5 if balance falls below $100
  • Withdrawal Limit: 6 per statement cycle ($4 fee for each additional)
  • Check Images: No
  •  Balance must stay
    above $100 to avoid fee (fee waived
    for minors)
  • Transfers from this account to another account or to third parties by preauthorized, automatic,
    or telephone transfers are limited to six per quarter.
  • Fees may reduce
    earnings

HEALTHCARE SAVINGS

Health Savings

  • Interest: Variable interest compounded monthly
  • Opening Deposit: $50
  • Statements: Monthly
  • Minimum Balance: None
  • Service Fee: None
  • Withdrawal Limit: Unlimited
  • Check Images: Yes, returned
  • Medicare enrollees are not eligible
  • Individuals who are over 55 and not enrolled in Medicare may make catch-up contributions to their HSA account.
  • Withdrawals may be tax-free if they are used for qualifying medical expenses.

HIGHER BALANCES

Blue Chip Money Market

  • Interest: Tiered Variable Interest rate depending on balance compounded monthly
  • Opening Deposit: $10,000
  • Statements: Monthly
  • Minimum Balance: $10,000
  • Service Fee: None if balance > $10,000 or $10 if balance falls below $10,000
  • Withdrawal Limit: 6 per month ($8 fee for each additional)
  • Check Images: Yes, returned
  •  Balance must stay above $10,000 to avoid fee
  • Transfers
    from this account to
    another account or to
    third parties by preauthorized,
    automatic,
    or telephone transfers are
    limited to six per month.
  • Fees may reduce earnings

Holiday savings

Christmas Club

  • Opening Deposit: $10
  • Statements: None
  • Minimum Balance: None
  • Service Fee: None
  • Savings Period: 50 weeks
  • Automatic Transfer: $10 weekly from a Farmers Bank & Trust checking account
  • Required Ending Balance: $500
  • Bonus: $10 when the ending-balance requirement is met
  • Early Account Closure Fee: $10
  • Account must be opened by February 1

YOUNG SAVERS

MyStart Savings

  • Annual Percentage Yield: 3.00% APY*
  • Eligibility: Minors under age 18
  • Opening Deposit: None
  • Service Fee: None
  • eStatements: Required
  • Joint Owner: Parent or guardian required
  • Account Limit: One per minor
  • Converts to Statement Savings at age 18
  • Must be opened at a branch
 
*Annual Percentage Yield (APY) applies to balances up to $5,000. Balances over $5,000 earn 0.10% APY. The interest rate and APY may change after the account is opened. Limit one MyStart Savings account per minor. Rates effective January 1, 2026.



































































Compare Account Differences

Description Statement Savings MyStart Savings Health Savings Christmas Club Blue Chip Money Market
Interest
Variable interest compounded daily
3.00% APY on balances up to $5,000*
Variable interest compounded monthly    
 None Tiered Variable Interest rate depending on balance compounded monthly 
Free Online Banking & Mobile Apps Circle F image. Circle F image. Circle F image. Circle F image. Circle F image.
Opening Deposit $100 None $50 *$10 $10,000
Free Debit Mastercard Circle F image. No Circle F image. No Circle F image.
Statements Quarterly eStatements Required Monthly None Monthly
Minimum Balance $100 None None None $10,000
Service Fee
None if balance > $100 or $5 if balance falls below $100
None
 None None
None if balance  >$10,000 or $10 if balance falls below $10,000
Withdrawal Limit
6 per statement cycle
($4 fee for each additional)

Unlimited Penalty for early withdrawal
6 per month ($8 fee for each additional)
Check Images
No
No 
 Yes, returned No
Yes, returned
Balance Requirement
Balance must stay above $100 to avoid fee (fee waived for minors)
None
 None None
Balance must stay above $10,000 to avoid fee
Transfer/Withdrawal Requirement
Transfers from this account to another account or to third parties by preauthorized, automatic, or telephone transfers are limited to six per quarter

Withdrawals may be tax-free if they are used for qualifying medical expenses. None
Transfers from this account to another account or to third parties by preauthorized, automatic, or telephone transfers are limited to six per month.
Fees
Fees may reduce earnings
None
 None
$10 drafted weekly from a FB&T checking account (see fee details above)
Fees may reduce earnings
Additional Important Information
None
 
Savings account debit cards for ATM use only.
For minors under 18; must be jointly owned with a parent or guardian; limit one per minor; converts to Statement Savings at age 18
 Medicare enrollees are not eligible and Individuals who are over 55 and not enrolled in Medicare may make catch-up contributions to their HSA account.
50 Week Automatic
Savings Plan with a bonus if balance requirement is met at the end of the 50-week period and Accounts must be opened by Feb 1 each year.
None