Farmers & Merchants Bank

Non Renewable Certificates
7-31 day has a minimum of $2500 and interest paid at maturity.*

Interest options include compounding or automatically crediting the interest to a checking or savings account.

Renewable Certificates

• 91 Day certificate has a minimum of $1000 Interest paid at maturity*
• 6 Month certificate has a minimum of $500 Interest paid quarterly*
• 8 Month certificate has a minimum of $5000 Interest paid monthly*
• 10 Month certificate has a minimum of $500 Interest paid monthly*
• 1 Year certificate has a minimum of $500 Interest paid quarterly*
• 18 Month certificate has a minimum of $500 Interest paid quarterly*
• 19 Month certificate has a minimum of $5000 Interest paid monthly*
• 2 Year certificate minimum is $500 Interest paid monthly*
• 3 Year certificate minimum is $500 Interest paid monthly*
• 4 Year certificate minimum is $500 Interest paid monthly*

• 5 Year certificate minimum is $500 Interest paid monthly*

IRA (Individual Retirement Account)

Restricted by earned income, age and deposit limits. These accounts are available in an 18 month variable rate certificate or on fixed rate certificates with a two, three or five year term. Interest compounds quarterly and penalties and restrictions apply.

Check out our current rates on our CDs and IRAs here or to determine your savings, use our Savings Goal Calculator, which is found here.

*Penalty for early withdrawal