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Farmers & Merchants National Bank

CDs/IRA/Money Market

Certificates of Deposit

Safe and secure.  Invest today!!!
(Automatically renewable time account)
  • $1,000.00 minimum balance
  • Interest compounded monthly, deposited to another account, or payable by check
  • No deposits can be made before maturity 
  • Interest penalty and bank service charge for early withdrawals

Individual Retirement Accounts (IRA’s)

  • Traditional, Roth, & Education IRA’s
  • CD terms and rates
  • Minimum deposit of $25.00
  • FDIC Insurance

Health Savings Accounts

  • Interest bearing checking account
  • Minimum deposit of $25.00
  • Monthly fee of $3.00
  • Limited to 10 withdrawals each statement cycle
  • FDIC Insurance

Money Market Deposit Account

  • $2,500.00 to open this account* 
  • Interest compounds monthly
  • Limited to 6 withdrawals a month
  • Unlimited in person withdrawals
*(Fee of $12.00 per month if balance drops below $2,500.00)