Savings Accounts
Save smart. Stay local. Grow with Farmers & Merchants Bank.
Our savings accounts are designed to help you build financial security while keeping your money local. Whether you’re saving for the future, planning for a major purchase, or simply setting funds aside for peace of mind, we offer a variety of options — each with competitive rates, easy access, and personalized hometown service.
Personal Savings
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Earn competitive interest
Watch your balance grow over time with interest that’s credited quarterly. -
Low minimum balance
Open your account with as little as $100, making it simple to get started. -
No monthly service fee
Maintain a low minimum daily balance to avoid any monthly fees—easy on your budget and great for building savings. -
Easy access & tracking
Enjoy the convenience of eStatements so you can keep tabs on your progress. -
FDIC insured
Your deposits are fully insured up to the maximum allowed by law, for total peace of mind.
• Customers who want a simple way to grow funds safely
• A companion account for overdraft protection or planned transfers
Money Market
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Competitive tiered interest rates
Earn more on higher balances — your savings work harder for you as your balance grows. -
Easy access to your funds
Enjoy check-writing privileges and withdrawals, so you can access your money when you need it. -
Low opening requirement
Open your Money Market Account with a modest deposit, making it simple to get started. -
No monthly service fee
Maintain the minimum balance and pay no monthly maintenance fees, keeping more of your money working for you. -
FDIC insured
Your deposits are fully insured up to the maximum allowed by law, for total peace of mind.
• Customers who maintain larger balances and want premium rates
• Balancing growth and flexibility without committing to long-term investments
Certificate of Deposit
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Guaranteed fixed interest rates
Enjoy competitive rates that stay locked in for the full term of your CD—so you’ll know exactly how much you’ll earn. -
Flexible terms to fit your goals
Choose from a variety of term lengths to match your savings timeline, from short-term options to multi-year plans. -
Low minimum opening deposit
Start your CD with a modest initial deposit—simple for every type of saver. -
FDIC insured
Your funds are fully insured up to the maximum allowed by law, providing complete peace of mind.
• Diversifying your savings with a secure, fixed-rate option
• Anyone who wants to earn more on funds they won’t need to access right away
Protect Large Deposits with ICS® & CDARS®
Put Your Large Deposits to Work — Safely and Efficiently.
At Farmers & Merchants Bank, we understand the importance of protecting your hard-earned funds. That’s why we offer IntraFi® solutions — ICS® (Insured Cash Sweep) and CDARS® (Certificate of Deposit Account Registry Service) — to give you expanded FDIC insurance coverage while working directly with your trusted community bank.
Get peace of mind with multi-million-dollar FDIC insurance — all through your trusted community bank.
- Fully FDIC insured beyond standard limits
- One relationship, one statement
- Flexible options: liquid funds with ICS® or CDs with CDARS®
Ready to Protect Your Large Deposits?
Contact our team today to learn how ICS® and CDARS® can safeguard your funds and support your financial goals.