Start saving now. The time value of money is real, and the sooner you begin the more you will save for your future! Check out our savings calculators to help guide your plan. We offer a variety of competitive savings options, all with great features. From traditional savings accounts and CDs to our Smart Saver account, with easy, automatic contributions, we
can help you find the perfect way to save. We even offer specialty accounts like Health Savings Accounts and IRAs, which may be able to offer you tax savings!*
Let us help you make a savings plan and invest for both the short and long term. Start by building an emergency savings fund.
Find a banking center near you and open your account today.
Other service fees may apply. Please see our Banking Fees.
*consult a tax advisor for details
A great starter account with tiered interest rates and two ways to avoid a monthly service charge.
Open Regular Savings Account
Earn interest based on your balance and enjoy access to your money when you want it via First Merchants Mobile App, check writing and a debit card.
Open Money Market Account
Earn interest at a special interest rate and enjoy access to your money when you want it via First Merchants Mobile App, check writing and a debit card.
With a higher interest rate than a regular savings account, this account is designed to make saving easy with regular, automatic deposits throughout the year.
Open Smart Saver CD Account
A Promotional Certificate of Deposit (CD) is a great way to lock in an interest rate for your selected term (specific period of time) and steadily grow your money.
Open 12 Month CD Account
Open 21 Month CD Account
A tax-advantaged investment account that is used for medical expenses for participants in High Deductible Health Care Plans.
Open Individual HSA Account
Open Family HSA Account