Smile

Personal Savings


Regular Statement Saving

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue no later than the business day you deposit non-cash items (for example, checks). Interest will be compounded daily and will be credited to the account quarterly. If the account is closed before interest is credited you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $50.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $50.00 to open this account. Six (6) free withdrawals/transfers per quarterly statement cycle. You will be charged $3.00 for each excess transaction.

Account Fees: A $3.00 charge will be imposed if the daily balance falls below $250.00 during the quarterly statement cycle. This fee is waived for minor accounts.



Christmas Savings Club

A great way to save for Christmas! You decide the amount you wish to save, $5, $10, $20 there is no set amount. Your Christmas Savings Club check will automatically be sent to you in October.

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue no later than the business day you deposit non-cash items (for example, checks). Interest will be compounded daily and will be credited to the account on the day the check is produced. If the account is closed before interest is credited you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. There is no minimum balance required to obtain the disclosed annual percentage yield.

Limitations: You must deposit $10.00 to open this account. You may not make withdrawals from your account prior to the account maturity. Any withdrawal will be for the full amount, including interest and a $10.00 fee will be assessed.

Account Fees: You will be charged a $10 fee for withdrawal prior to maturity of the club account.



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Farmers Bank

200 North Main Street
Nicholasville, KY 40356
859.885.9481

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