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Certificates of Deposit

Earn a competitive market rate of interest while choosing the term of your certificate. Terms may vary from as little as 91 days to as long as 5 years.

  • Interest can be paid by automatic transfer to account, addition to certificate of deposit, or by check
  • Automatically renewable


16 Month Special Certificate of Deposit
This certificate of deposit allows the investor to add any amount, or to withdraw up to of the value but not less than $500 at the 8 month anniversary.

  • Low $500 minimum to open
  • Special Rate see our website rate sheet for current rates
  • Early withdrawal penalty see our Truth in Savings Disclosure



20 Month Dream Builder Certificate of Deposit
This certificate of deposit combines the flexibility of a savings account with the rate of a 20 month certificate of deposit.

  • Low $20 minimum to open
  • Requires an automatic deposit of at least $20 per month
  • Early withdrawal penalty see our Truth in Savings Disclosure



29 Month Trade-Up Certificate of Deposit
This certificate of deposit allows the investor to increase the rate of the certificate once as the Market rate rises. See our website rate sheet for current rates.

  • $5,000 minimum to open
  • One time rate change based on the 24 month CD rates
  • Early withdrawal penalty see our Truth in Savings Disclosure



Our Personal Banker professionals are here to serve you and make your savings process as simple as possible. To find out more information about opening your Certificate of Deposit call or e-mail one of our Personal Banker professionals today.

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Farmers & Merchants State Bank
Waterloo - Marshall Wisconsin
1-888-478-3007

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