SMART Savings Account

High rate. Easy access. Online only.

Earn more with an outstanding yield on our Smart Savings account! Just $1,000 to start saving big!

Only available online, this statement savings account comes with an interest-boosting .77% APY*. Keep your money liquid and available but also earning healthy returns.

Earn this above-market yield plus enjoy convenient access to your money*? That's a win-win. Just $1,000 minimum deposit to open! 


Save more, faster with Smart Savings:

  • Compounds your interest faster: The .77% APY* is higher than a traditional savings account, which means every dollar you deposit will grow faster.

  • 24-hour online or mobile access: This online-only account gives you the best of 24/7 technology to make banking easy. Use McFarland’s online or mobile banking apps to view your balance, make mobile deposits, or transfer funds to your checking account. Or withdraw cash from VIV, our interactive teller machine (ITM)/ATM. 
Current customer? Just log in to your online banking account and click on the open new account shortcut at the bottom of your home page.

*Annual Percentage Yield (APY) as of 9/19/19. Account is a variable rate product and we may change the interest rate as often as daily. Interest on your balance is compounded and credited quarterly. $1,000 minimum balance to avoid monthly maintenance fee. Federal regulations limit withdrawals by check, debit card, preauthorized electronic or telephone transfer to six per month. If seven or more withdrawals and/or transfers are made within the monthly cycle, a service charge will be assessed on each transaction beginning with the seventh withdrawal and/or transfer. Fees vary per account.