Rates

Current Deposit Rates

Our certificates of deposit combine guaranteed returns with peace of mind. Just choose your term and watch your money grow.

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Current Deposit Rates Rates Subject to change without notice
 
Interest Rate APY* Minimum Opening Deposit
NOW Accounts **
NOW Account
(Minimum daily balance to obtain APY $1,500)
0.499% 0.50% $1,500
Super NOW Account
(Minimum daily balance to obtain APY $2,500)
0.599% 0.60% $2,500
Savings Accounts **
Regular Statement Savings
(Minimum daily balance to obtain APY $250)
0.748% 0.75% $50
Christmas Club Accounts **
Christmas Club Savings
(Minimum daily balance to obtain APY $10)
0.748% 0.75% $10
Money Market Accounts **
Money Market Investment Account
(Minimum daily balance to obtain APY $2,500)
0.599% 0.60% $2,500
Premium Money Market Account
Daily Balance <$10,000
0.599% 0.60% $2,500
Daily Balance >= $10,000
(Minimum daily balance to obtain APY is based on tiered rate structure)
0.748% 0.75%  

 

Certificates of Deposit ^  
7 – 31 Days
01.735% 1.75% $1,000
32 – 89 Days
01.735% 1.75% $1,000
90 – 179 Days
3.199% 3.25% $1,000
180 – 364 Days
3.682% 3.75% $1,000
12 – 23 Months
3.682% 3.75% $500
24 – 35 Months
3.199% 3.25% $500
36 – 47 Months
3.199% 3.25% $500
48 – 59 Months
3.199% 3.25% $500
60 – 84 Months
3.199% 3.25% $500

 

Individual Retirement Accounts ^  
180 – 364 Days
3.682% 3.75% $100
12 – 23 Months
3.682% 3.75% $100
24 – 35 Months
3.199% 3.25% $100
36 – 47 Months
3.199% 3.25% $100
48 – 59 Months
3.199% 3.25% $100
60 – 84 Months
3.199% 3.25% $100

 

* APY = Annual Percentage Yield: Rates are accurate as of March 1, 2024.
APY calculation based on a Daily Compounding frequency for all deposit accounts. ** Variable Rates: Rates may change after account opening.   Fees could reduce earnings on account.   ^ Substantial penalty for early withdrawal.

CONTACT FARMERS BANK

200 North Main Street Nicholasville, KY

(859) 885.9481

[email protected]

Online Banking

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Links to non-Farmers Bank websites are provided solely as pointers to information on topics that may be useful to our users and will not apply to Farmers Bank's Privacy Policy. Farmers Bank has no control over the content of such non-Farmers Bank websites. If you choose to link to a website not controlled by Farmers Bank, Farmers Bank makes no warranties, either expressed or implied, concerning the content of such site, including the accuracy, completeness, reliability or suitability thereof for any particular purpose, nor does Farmers Bank warrant that such site or content is free from any claims of copyright, trademark or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination. Farmers Bank does not guarantee the authenticity of documents on the Internet. Links to non-Farmers Bank sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such sites.

Links to non-Farmers Bank websites are provided solely as pointers to information on topics that may be useful to our users and will not apply to Farmers Bank's Privacy Policy. Farmers Bank has no control over the content of such non-Farmers Bank websites. If you choose to link to a website not controlled by Farmers Bank, Farmers Bank makes no warranties, either expressed or implied, concerning the content of such site, including the accuracy, completeness, reliability or suitability thereof for any particular purpose, nor does Farmers Bank warrant that such site or content is free from any claims of copyright, trademark or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination. Farmers Bank does not guarantee the authenticity of documents on the Internet. Links to non-Farmers Bank sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such sites.
THIRD PARTY SITE DISCLAIMER
THIRD PARTY SITE DISCLAIMER
Links to non-Farmers Bank websites are provided solely as pointers to information on topics that may be useful to our users and will not apply to Farmers Bank's Privacy Policy. Farmers Bank has no control over the content of such non-Farmers Bank websites. If you choose to link to a website not controlled by Farmers Bank, Farmers Bank makes no warranties, either expressed or implied, concerning the content of such site, including the accuracy, completeness, reliability or suitability thereof for any particular purpose, nor does Farmers Bank warrant that such site or content is free from any claims of copyright, trademark or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination. Farmers Bank does not guarantee the authenticity of documents on the Internet. Links to non-Farmers Bank sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such sites.