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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.

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Certificate of Deposit

A Certificate of Deposit is a smart addition to your investment portfolio. It offers the security of a fixed return for a term that meets your needs and is FDIC Insured. Longer terms offer potentially higher interest rates while shorter terms mean quicker access to your funds.

Check out our current rates on our CDs or to determine your savings and use our financial calculators to help you determine how to reach your goal.

Certificate of Deposit AccountsCompoundMin Deposit
91 DAY At Maturity $1,000.00
6 MONTH Quarterly $500.00
8 MONTH Monthly $500.00
10 MONTH Monthly $500.00
1 YEAR Quarterly $500.00
14 MONTH Monthly $5,000.00
18 MONTH Quarterly $500.00
19 MONTH Monthly $5000.00
2 YEAR Quarterly $500.00
30 MONTH Quarterly $500.00
33 MONTH Quarterly $5,000.00
3 YEAR Quarterly $500.00
4 YEAR Quarterly $500.00
5 YEAR BUMP UP Quarterly $500.00
5 YEAR Quarterly $500.00

*Funds cannot be added during a term. Penalty for early withdrawal.