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Rates effective as of 10/09/08
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Deposit Rates
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| Type |
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APY |
| 31-90 Day CD |
|
1.26% |
| 91 Day CD |
|
2.02% |
| 182 Day CD |
|
2.52% |
| 12 Month CD |
|
3.29% |
| 18 Month CD |
|
3.03% |
| 24 Month CD |
|
4.06% |
| 30 Month CD |
|
3.03% |
| 36 Month CD |
|
4.06% |
| 48 Month CD |
|
3.03% |
| 60 Month CD |
|
3.55% |
| IRA |
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3.51% |
| BETTER THAN EVER GOLD/NOW/SUPER NOW/FARMERS GOLD/FARMERS GOLD ADVANTAGE- TIER 1 |
|
0.65% |
| BETTER THAN EVER GOLD/NOW/SUPER NOW/FARMERS GOLD/FARMERS GOLD ADVANTAGE- TIER 2 |
|
1.00% |
| SUPER NOW- TIER 3 |
|
1.26% |
| SUPER NOW- TIER 4 |
|
2.02% |
| SIMPLY FREE INTEREST |
|
.75% |
| MONEY MARKET DEPOSIT ACCOUNT |
|
0.75% |
| Super Savings Account (Tier 2) |
|
1.26% |
| Super Savings Account (Tier 3) |
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1.76% |
| Statement Savings/Super Savings (Tier 1) Account |
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0.65% |
| CHRISTMAS CLUB SAVINGS ACCOUNT |
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2.00% |
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| All deposits are insured up to $100,000.00 by the FDIC. All SPECIAL CDs, 91 Day CDs and 182 Day CDs require a minimum daily balance of $1,000.00 to obtain the Annual Percentage Yield (APY) quoted above. All 31-90 Day CDs require a minimum daily balance of $2,500.00 to obtain the APY quoted above. All other CDs require a minimum daily balance of $500.00 to obtain the APY quoted above. All IRAs require a minimum deposit of $250.00 to open the account, but there is no minimum daily balance to obtain the APY quoted above. The interest rate on all IRAs is subject to change. If the interest rate changes, the APY will change. All CDs and IRAs have a substantial penalty for early withdrawal, which would reduce earnings. The above APYs are our posted APYs for the CDs listed above. APYs may vary, if the deposit amount, terms or other conditions vary from those described above. APYs on CDs with a deposit amount of $100,000.00 or more are quoted upon request. Christmas Club Savings Accounts require a minimum daily balance of $2.00 to obtain the APY quoted above. Fees could reduce earnings. The interest rates on all Better Than Free Gold, NOW, SuperNOW, Farmers Gold, Farmers Gold Advantage and Simply Free Interest checking accounts, Money Market Deposit Accounts, Statement Savings Accounts and Super Savings Accounts are subject to change. If the interest rate changes, the APY will change. Fees on accounts could reduce earnings. All Better Than Free Gold, NOW, SuperNOW, Farmers Gold, Farmers Gold Advantage and Money Market Deposit Accounts require a minimum deposit of $200.00 to open the account. All Statement Savings Accounts and Super Savings Accounts require a minimum deposit of $200.00 to open the account, except Student Statement Savings Accounts which have no minimum opening deposit. There is no minimum daily balance required to obtain the APY quoted above for the following accounts: NOW (Tier 1), SuperNOW (Tier 1), Money Market Deposit Account, Statement Savings Account and Super Savings Account (Tier 1). There is a $1,000.00 minimum daily balance required to obtain the APY quoted above for Farmers Gold (Tier 1). There is a $1,500.00 minimum daily balance required to obtain the APY quoted above for Better Than Free Gold (Tier 1). There is a $500.00 minimum daily balance required to obtain the APY quoted above for Farmers Gold Advantage (Tier 1). There is a $10,000.00 minimum daily balance required to obtain the APY quoted above for Tier 2 for Better Than Free Gold, NOW, SuperNOW, Farmers Gold and Farmers Gold Advantage. There is a $25,000.00 minimum daily balance required to obtain the APY quoted above for SuperNOW (Tier 3). There is a $100,000.00 minimum daily balance required to obtain the APY quoted above for SuperNOW (Tier 4). There is a $5,000.00 minimum daily balance required to obtain the APY quoted above for Simply Free Interest. There is a $10,000.00 minimum daily balance required to obtain the APY quoted above for Super Savings (Tier 2). There is a $50,000.00 minimum daily balance required to obtain the APY quoted above for Super Savings (Tier 3). Please Contact Us for Further Information. |
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NOTICE: Farmers Bank & Trust Company - All Rights Reserved. The website of Farmers Bank & Trust Company contains links and features that are provided to our customers from outside sources. We are not responsible for and have no control over the content or subject matter of these links, however it is our sole intent to provide only good information that our customers can find useful or entertaining. Please read our Privacy Policy and Disclosures. Complete regulatory disclosures containing all terms, features and limitations are available at any branch location or can be obtained by telephone request by calling 270-965-3106. |
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