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checking accounts
savings - CD's
  Passbook Savings  |  Certificate of Deposit  |  IRA's

Passbook Savings
Whether you’re saving for that first car or your first home, our traditional savings account will offer a competitive interest rate to get you there.  Build your savings faster by having money automatically deposited, or set up an automatic transfer from your checking on a schedule that fits you best.  Also available for businesses.
  • No minimum deposit or balance
  • Interest credited to your account quarterly
  • Unlimited number of deposits
  • Transfers from this account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six (6) per month
Certificate of Deposit
With our flexible CD terms, you choose the date of maturity that fits your needs the best with terms that range from 31 days to 3 years.  CD’s can be purchased for as little as $500.  Easily make additional deposits or withdrawals from your CD at its maturity or simply let the savings continue by automatically rolling the CD over for another term.
  • Terms range from 31 days to 36 months
  • $500 minimum deposit
  • Penalty for early withdrawal of certificate
  • Interest added to CD, paid by check, or deposited to your account
It’s never too early to start saving for your future.  Your golden years are supposed to be the time of your life, so let one of our personal account representatives here at Farmers and Merchants State Bank assist you in making the right decisions now.  With an 18 month IRA Certificate of Deposit you will be able to start investing for your future now.  We offer an 18 month Traditional IRA Certificate of Deposit and an 18 month Roth IRA Certificate of Deposit.
  • $500 minimum deposit
  • Penalty for early withdrawal of certificate
  • Interest compounded and credited to your account semiannually
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