Personal Investments

Personal Investments

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Certificates of Deposit

If you are looking for a fixed-rate, short or long term account, our CDs are the perfect solution. CDs give you the security of knowing exactly what your account will be earning over its entire term. A deposit of as little as $500 will allow you to buy a CD and select a term from between 91 days to 120 months. Deposits of $10,000 or more earn a higher rate of interest. Interest is compounded, and you may choose to have the interest paid monthly, quarterly, semi-annually, or annually by receiving a check, transferring to another account, or reinvesting by adding the interest to the same CD.

Individual Retirement Account (IRA)

Many workers anxiously await the day they retire—either completely or partially—from work. Putting a few dollars regularly into an IRA will allow more financial freedom when retirement time comes around. We offer IRAs in the form of Certificates of Deposit. You pick the term that is right for you. An IRA can be started for as little as a $100 deposit.

Roth Individual Retirement Account (IRA)

Roth IRA’s are also available at The Farmers and Merchants Bank. Our New Accounts Representatives will be glad to help you open a Roth IRA account.

Individual Retirement Account (IRA) Rollovers and Transfers

You can transfer or rollover your IRA invested elsewhere just by signing a few documents and leaving the rest of the paperwork to us.