Farmer's & Merchants Bank logo

Upcoming Holiday Hours

We will be open until noon with limited staff on Christmas Eve, closed Christmas Day, open at both locations on New Year's Eve, and closed New Year's Day.

Farmers & Merchants Bank: Where Family is our Foundation

CDs & IRAs

Short & Long Term Growth

Saving for retirement is important for people of all ages. While a 401K is a popular option, it’s not always enough. CDs and IRAs are great additions to your retirement portfolio.

Certificate of Deposit

Use this no-risk investment to earn a fixed interest rate on your savings.

  • Multiple term lengths
  • $500 minimum opening deposit 
  • Competitive interest rates 
  • Automatically renewable
  • Interest payments can be automatically deposited in your deposit account
  • FDIC insured
  • Early withdrawal penalties may apply

Individual Retirement Accounts

Our IRAs can help you build a future for you and your family

  • Multiple term lengths
  • $500 minimum opening deposit on most IRAs
  • Competitive interest rates
  • Automatically renewable
  • Interest payments can be automatically deposited in your deposit account
  • Educational IRAs available
  • FDIC insured
  • Early withdrawal penalties may apply