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Farmers & Merchants National Bank

Personal Rates

Personal Deposit Rates
F&M Product Min Balance to Obtain APY Interest Rate APY
Hometown Advantage**
$0-25,000 0.30% 0.30%

$25,000.01
0.01%
0.01%
Now* $1,000 0.03% 0.03%
50 Club* $1,000 0.03% 0.03%
Personal Savings* $5.00 0.04% 0.04%
Christmas Club*** $5.00 0.15% 0.15%
Vacation Club*** $5.00 0.15% 0.15%
Money Market* Under $25,000 0.10% 0.10%

$25,000-$99,999.99 0.15% 0.15%

$100,000 and up 0.20% 0.20%
Health Savings Account 0-$999.99 0.05% 0.05%

$1,000-$4,999.99 0.05% 0.05%

$5,000-$14,999.99 0.10% 0.10%

$15,000 and up 0.15% 0.15%
**0.30% Annual Percentage Yield (APY)  paid on balances between one penny and $25,000, and 0.01% APY paid on all amounts above $25,000 each cycle. We may change the interest rate and APY at any time after the account is opened. Available to personal accounts only. 
*Rates may change after account is open. Fees could reduce earnings on the account.
*** Penalty fee for early withdrawal.
Fees could reduce earnings. 
 
Certificate of Deposit
F&M Product Min Balance to obtain APY Interest Rate APY 
91 Day CD $1000.00 0.10% 0.10%
182 Day CD $1000.00 0.10% 0.10%
9 Month CD $1000.00 0.12% 0.12%
12 Month CD $1000.00 0.12% 0.12%
15 Month CD $1000.00 0.15% 0.15%
18 Month CD $1000.00 0.20% 0.20%
21 Month CD $1000.00 0.20% 0.20%
24 Month CD $1000.00 0.30% 0.30%
30 Month CD $1000.00 0.35% 0.35%
36 Month CD $1000.00 0.35% 0.35%
48 Month CD $1000.00 0.45% 0.45%
60 Month CD $1000.00 0.70% 0.70%









Individual Retirement Account
F&M Product Min Balance to Obtain APY Interest Rate APY 
18 Month IRA $25.00 0.30% 0.30%
60 Month IRA $25.00 0.75% 0.75%