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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 0.20% 0.20%

$25,000.01 and up
0.01%
0.01%
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 0.15% 0.15%
Vacation Club*** $5.00 0.10% 0.10%
Money Market* Under $25,000 0.20% 0.20%

$25,000-$99,999.99 0.25% 0.25%

$100,000 and up 0.40% 0.40%
Health Savings Account 0-$999.99 0.03% 0.03%

$1,000-$4,999.99 0.03% 0.03%

$5,000-$14,999.99 0.05% 0.05%

$15,000 and up 0.07% 0.07%
**0.20% 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 0.25% 0.25%
182 Day CD $1000.00 0.30% 0.30%
9 Month CD $1000.00 0.35% 0.35%
12 Month CD $1000.00 0.40% 0.40%
13 Month CD Special $1,000.00 2.72% 2.75%
15 Month CD $1000.00 0.40% 0.40%
18 Month CD $1000.00 0.45% 0.45%
21 Month CD $1000.00 0.45% 0.45%
24 Month CD $1000.00 0.55% 0.55%
30 Month CD $1000.00 0.65% 0.65%
36 Month CD $1000.00 0.85% 0.85%
37 Month CD Special $1,000.00 2.57% 2.60%
48 Month CD $1000.00 1.00% 1.00%
60 Month CD $1000.00 1.19% 1.20%









Individual Retirement Account
F&M Product Min Balance to Obtain APY Interest Rate APY 
18 Month IRA $25.00 0.50% 0.50%
60 Month IRA $25.00 1.24% 1.25%