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
Sign in or stop by any of our branches to learn more about our current offerings and rates.
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.