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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 1.20% 1.20%

$25,000.01
0.10%
0.10%
Now* $1,000 0.05% 0.05%
50 Club* $1,000 0.05% 0.05%
Personal Savings* $5.00 0.10% 0.10%
Christmas Club*** $5.00 0.30% 0.30%
Vacation Club*** $5.00 0.25% 0.25%
Money Market* Under $25,000 0.50% 0.50%

$25,000-$99,999.99 0.75% 0.75%

$100,000 and up 1.00% 1.00%
Health Savings Account 0-$999.99 0.05% 0.05%

$1,000-$4,999.99 0.10% 0.10%

$5,000-$14,999.99 0.15% 0.15%

$15,000 and up 0.20% 0.20%
**1.20% Annual Percentage Yield (APY)  paid on balances between one penny and $25,000, and 0.10% 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%
*4 Month CD Special* $1000.00 0.80% 0.80%
182 Day CD $1000.00 0.15% 0.15%
9 Month CD $1000.00 0.18% 0.18%
12 Month CD $1000.00 0.30% 0.30%
*13 Month CD Special* $1000.00 1.98% 2.00%
15 Month CD $1000.00 0.32% 0.32%
18 Month CD $1000.00 0.35% 0.35%
*19 Month CD Special* $1000.00 2.47% 2.50%
21 Month CD $1000.00 0.30% 0.30%
24 Month CD $1000.00 0.45% 0.45%
30 Month CD $1000.00 0.50% 0.50%
36 Month CD $1000.00 0.75% 0.75%
37 Month CD
$1000.00 1.09% 1.10%
48 Month CD $1000.00 1.14% 1.15%
*59 Month CD Special* $1000.00 2.96% 3.00%
60 Month CD $1000.00 1.39% 1.40%
**37 Month Your Option CD Special** $1000.00 2.76% 2.80%

Individual Retirement Account
F&M Product Min Balance to Obtain APY Interest Rate APY 
18 Month IRA $25.00 0.70% 0.70%
60 Month IRA $25.00 2.00% 2.00%

**Exchange rate may be exercised at any time during the CD term.  Rate increase may not exceed 1% over the issue rate.  Original CD must be presented to exercise exchange rate option.