Farmers & Merchants Rates

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Checking Accounts

Select your Checking Account

Gold Checking
Minimum Balance to Open Interest Rate APY
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Platinum Checking
Tiered Rates Minimum Balance to Open Interest Rate APY
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Interest on Checking
Minimum Balance to Open Interest Rate APY
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Business Interest on Checking
Minimum Balance to Open Interest Rate APY
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State Bar/IOLTA
Minimum Balance to Open Interest Rate APY
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*Not available for new accounts

Savings Accounts

Select your Savings Account

Market Rate Savings
Tiered Rates Minimum Balance to Open Interest Rate APY
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Market Rate Savings Business
Tiered Rates Minimum Balance to Open Interest Rate APY
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Market Rate Money Market
Tiered Rates Minimum Balance to Open Interest Rate APY
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Market Rate Money Market Business
Tiered Rates Minimum Balance to Open Interest Rate APY
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Youth Savings
Tiered Rates Minimum Balance to Open Interest Rate APY
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Christmas Club
Minimum Balance to Open Interest Rate APY
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Health Savings
Minimum Balance to Open Interest Rate APY
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Market Rate Certificates of Deposit (CDs)

Select your CD rate term

7 to 31 days
Tiered Rates Minimum Balance to Open Interest Rate APY
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91 days
Tiered Rates Minimum Balance to Open Interest Rate APY
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182 days
Tiered Rates Minimum Balance to Open Interest Rate APY
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12-23 months
Tiered Rates Minimum Balance to Open Interest Rate APY
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24-35 months
Tiered Rates Minimum Balance to Open Interest Rate APY
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36-47 months
Tiered Rates Minimum Balance to Open Interest Rate APY
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48 months
Tiered Rates Minimum Balance to Open Interest Rate APY
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60 months
Tiered Rates Minimum Balance to Open Interest Rate APY
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Market Rate Individual Retirement Accounts (IRAs)

Select your IRA term

6 months
Tiered Rates Minimum Balance to Open Interest Rate APY
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12 months
Tiered Rates Minimum Balance to Open Interest Rate APY
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18 months
Tiered Rates Minimum Balance to Open Interest Rate APY
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24 months
Tiered Rates Minimum Balance to Open Interest Rate APY
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36 months
Tiered Rates Minimum Balance to Open Interest Rate APY
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48 months
Tiered Rates Minimum Balance to Open Interest Rate APY
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60 months
Tiered Rates Minimum Balance to Open Interest Rate APY
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Rates and Annual Percentage Yield (APY) is current as of

Please review your Truth in Savings Disclosure for additional terms and conditions that may apply. Please refer to Services and Fees on fmb.com/fees or contact your local F&M office for additional details.

Rates and APY are effective as of the date shown above.

Deposit Accounts: Interest for checking and money market accounts are compounded and credited to your account monthly on the monthly statement cycled date. Interest for savings accounts are compounded and credited to your account quarterly on the quarterly statement cycle date. Rates may change at any time without prior notice, before or after the account is opened. Fees could reduce earnings on the account. If you close your account before interest is credited, you will not receive the accrued interest.

CDs: APY assumes that interest is compounded and credited monthly and remains on deposit until maturity. Interest rates are fixed rates and are paid for the term of the deposit until maturity. A withdrawal of interest prior to maturity will reduce earnings. A penalty will be imposed for early withdrawal.

IRAs: APY assumes that interest is compounded and credited quarterly and remains on deposit until maturity. Interest rates are fixed rates and are paid for the term of the deposit until maturity. Deposits may be made to your account in accordance with your IRA plan disclosure. A withdrawal of interest prior to maturity will reduce earnings. A penalty will be imposed for early withdrawal.