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FMSB Money Market Rates

Want to earn a great rate on your investment dollars and still have access to your funds on a regular basis? Then consider a FMSB Money Market account with Farmers & Merchants Savings Bank. With as little as $5,000 to open your investment account, you can earn a competitive return (see rate report below) and still have access to your funds on a regular basis. Additional deposits are welcome at any time and interest is credited and compounded monthly.

FMSB Money Market Current Interest Rates as of (Aug-21-14)
Interest rates may vary and fees could reduce earnings
$5,000 minimum deposit required to open an account
Account Balance Tier Annual Percentage Yield Interest Rate
$0.00 - $4,999.99 .10% .10%
$5,000.00 - $24,999.99 .35% .35%
$25,000.00 - $49,999.99 .40% .40%
$50,000 and above .50% .50%


Certificate of Deposit Rates

FMSB Current CD Rate Report as of (Aug-21-14)
$500 minimum deposit required to open an account
Fees could reduce earnings on the account • Subject to early withdrawal penalty
Term Annual Percentage Yield Interest Rate
6 Month .40% .40%
12 Month .50% .50%
24 Month .75% .75%
36 Month 1.00% 1.00%
48 Month
*One rate change allowed during the first term.
.90% .90%


Individual Retirement Account Rates

FMSB Current IRA Rate Report as of (Aug-21-14)
Term – 12 Month
No minimum deposit required to open an account
Fees could reduce earnings on the account • Subject to early withdrawal penalty
Type of Account Annual Percentage Yield Interest Rate
Variable Rate IRA
(Rate may change monthly)
.65% .65%
Fixed Rate IRA .65% .65%


HSA Checking (Health Savings Account)

FMSB Current HSA Checking Report as of (Aug-21-14)
$50 minimum deposit required to open an account
Interest rates may vary and fees could reduce earnings
Account Balance Tier Annual Percentage Yield Interest Rate
$0.00 - $499.99 .15% .15%
$500.00 - $9,999.99 .30% .30%
$10,000 and above .65% .65%

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