Certificates of Deposit

Your investment is safe with us.

CDs give you the security of knowing exactly what your account will be earning over its entire term.


If you are looking for a fixed-rate, short or long term account, we have the perfect solution.

Our CDs offer security, flexibility and competitive rates. A deposit of as little as $500 will allow you to buy a CD and select a term from between 91 days to 60 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.

Switch to FMB

For over 100 years, The Farmers and Merchants Bank has been serving the community. We would like to serve you, too. We’ve made switching to FMB as simple and convenient as possible.