Personal Banking – Savings & Investments


Savings Accounts

Classic Savings

Enjoy no minimum required balance and unlimited transactions.  Interest is compounded quarterly and statements are distributed annually.*

Money Market Savings

Our Money Market Savings Account is a tiered savings plan with a varying interest rate based on your account balance.  Interest is compounded quarterly and statements are distributed quarterly.  Transactions are limited.*

Certificates of Deposit

Farmers & Merchants State Bank offers a variety of terms to compliment our Certificate of Deposit rates. Many terms with competitive rates are available.*

Individual Retirement Accounts

Open a Traditional or ROTH IRA with the security of a separate FDIC insured account. Our rates are competitive and our customer service representatives can assist you with your retirement account needs.

  * Accounts not meeting the minimum balance requirement are subject to monthly service charges and/or per check fees. Other restrictions apply.  Please contact a customer service representative for complete account details and disclosures.