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Savings *

  Personal
Savings *		 Christmas
Club *		 Gold Money Market *
Minimum to Open $10 None $500
Minimum Balance $10 None $500
Minimum Balance Fee $1 None $10
Withdraw/Debit Fee 3 free per month None  3 free per month
Account Statements Quarterly or monthly w/EFT or combined checking. Quarterly or monthly if EFT's.
Quarterly or monthly if EFT's, images included
Interest Crediting Frequency Semi-Annually Annually Monthly

Personal Savings *
  • Competitive interest rate
  • Minimum balance of $10 (fee of $1 if account falls below $10)
  • Transfers are limited to 6 per month ($.50 charge over 3 during a monthly cycle)
Christmas Club *
  • Competitive interest rate
  • Make deposits on a regular basis or choose an amount to automatically deduct from your checking account.
  • Funds disbursed in October, just in time for holiday shopping!
Gold Money Market *
  • Competitive interest rate
  • Minimum balance of $500 (fee of $10 if account falls below $500)
  • Interest is compounded and credited monthly
  • Transfers are limited to 6 per month *($1 charge over 3 during a monthly cycle)
* Limitations on frequency of transfers - See account disclosure for restrictions and transfer limitations applicable to this account.
Member FDIC   * New Coverage © 2010 Farmers & Merchants Savings Bank
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