Personal Banking – Savings & Investments
Enjoy no minimum required balance and unlimited transactions. Interest is compounded quarterly and statements are distributed semi-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.