CDs & IRAs

Certificates of Deposit

Farmers and Merchants Bank offers a competitive array of fixed-term products that allow you to design your own savings strategy. Our standard certificates provide:

  • Minimum of $1,000 to open
  • Any term available from 30 days to 4 years
  • A variety of interest payment options
  • 10 day grace period allows for flexible changes at maturity


Contributing to an IRA is an excellent way to save for retirement. Even if you are already saving, an IRA can still be a valuable addition to your retirement savings program.

At Farmers and Merchants Bank, we offer both Traditional IRAs and Roth IRAs. You can choose the IRA that's right for you.