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NOTICE:  The Farmers & Merchants Bank, Lonedell Branch will be temporarily closed for a period of time until construction repairs are completed. We anticipate the ATM to be operational during this time along with all of our other online and mobile access applications.  All other branches remain accessible.  We apologize for the inconvenience and thank you for your patience during this period.

Online Banking

Personal Banking
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Current Rates

Certificates of Deposit

ProductAPY*Interest RateCompoundedMin. Deposit
91 Day 0.15% 0.15% At Maturity $1,000.00
6 Month 0.20% 0.20% Quarterly $500.00
8 Month Add On 0.22% 0.22% Monthly $500.00
10 Month 0.25% 0.25% Monthly $500.00
12 Month 0.30% 0.30% Quarterly $500.00
14 Month 0.35% 0.35% Monthly $5000.00
18 Month 0.50% 0.50% Quarterly $500.00
19 Month 0.90% 0.90% Monthly $5000.00
24 Month - Special 1.51% 1.50% Quarterly $500.00
30 Month - Special 2.01% 1.99% Quarterly $500.00
33 Month 1.15% 1.15% Quarterly $5000.00
36 Month 1.00% 1.00% Quarterly $500.00
4 Year 1.28% 1.27% Quarterly $500.00
5 Year - Special 1.41% 1.40% Quarterly $500.00
5 Year Bump Up - Special 1.31% 1.30% Quarterly $500.00

A penalty may be imposed for early withdrawals.

IRA Accounts

ProductAPY*Interest RateCompoundedMin. Deposit
IRA 18 Month (Variable rate) 0.45% 0.45% Quarterly $500.00
IRA 24 Month (Fixed rate) 1.51% 1.50% Quarterly $500.00
IRA 36 Month (Fixed rate) 1.00% 1.00% Quarterly $500.00
IRA 60 Month (Fixed rate) 1.41% 1.40% Quarterly $500.00


A penalty may be imposed for early withdrawals.

Savings Accounts

ProductAPY*Interest RateCompoundedMin. Deposit
Statement Savings 0.10% 0.10% Quarterly $100.00
Lazy River Kids Club Savings $5000.00 and over 0.15% 0.15% Quarterly $25.00
Lazy River Kids Club Savings $25.00 to $4999.99 0.51% 0.51% Quarterly $25.00

MMDA Accounts

ProductAPY*Interest RateCompoundedMin. Deposit
MMDA $500.00 to $2,499.99 0.05% 0.05% Monthly $2,500.00
MMDA $2,500.00 to $24,999.99 0.10% 0.10% Monthly $2,500.00
MMDA $25,000.00 to $49,999.99 0.15% 0.15% Monthly $25,000.00
MMDA $50,000.00 to $99,999.99 0.20% 0.20% Monthly $50,000.00
MMDA $100,000.00 & over 0.25% 0.25% Monthly $100,000.00
Business MMDA $50,000.00 to $99,999.99 0.20% 0.20% Monthly $50,000.00
Business MMDA $100,000.00 & over 0.25% 0.25% Monthly $100,000.00
Premium MMDA under $100,000 0.30% 0.30% Monthly $50,000.00 *New Money Only* Call Bank for Information
Premium MMDA $100,000 and over 0.35% 0.35% Monthly $100,000.00 *New Money Only* Call Bank for Information


Checking Accounts

ProductAPY*Interest RateCompoundedMin. Deposit
Your Choice Checking - Premium (No minimum to earn interest) 0.05% 0.05% Monthly $100.00
SUPER NOW $1,000.00 to $2,499.99 0.05% 0.05% Monthly $1,000.00
SUPER NOW $2500.00 & over 0.10% 0.10% Monthly $2,500.00
Your Choice Checking - Rewards (Qualified) Balance up to $14,999.99 *Restrictions Apply, See Customer Service for Details 3.00% 2.96% Monthly $100.00
Your Choice Checking - Rewards (Qualified) $15,000.00 & over *Restrictions Apply, See Customer Service for Details 0.10% 0.10% Monthly $100.00
Your Choice Checking - Rewards (Non-Qualified) $2500.00 and over *Restrictions Apply, See Customer Service for Details 0.10% 0.10% Monthly $100.00
Your Choice Checking - Rewards (Non-Qualified) Balance up to $2499.99 *Restrictions Apply, See Customer Service for Details 0.05% 0.05% Monthly $100.00
Health Savings Acct $0.00 to $4999.99 0.15% 0.15% Monthly $100.00
Health Savings Acct Qualified (See Customer Service for details) 2.02% 2.00% Monthly $100.00


*APY = Annual Percentage Yield APY is accurate as of – 04/09/2018. Rates are subject to change at bank’s discretion. Rates may change after the account is opened. Fees could reduce earnings on the account