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On-line Consumer Rates

Click here for a printable version of our rates.


Consumer Rates
Farmers & Merchants State Bank Consumer Deposit Products1
Tier
Minimum Balance to Open & Earn APY*
Interest Rate
*Annual Percentage Yield (APY)
Compounding
SPECIALS
29 Month Trade-Up2
$5,000
1.01%
1.01%
Annually
16 Month - Sweet Sixteen Option5
$500
0.74%
0.74%
Annually
20 Month Dream Builder3
$20
1.01%
1.01%
Annually
TERM CD's
60 Month
$500
1.25%
1.25%
Annually
36 Month
$500
0.75%
0.75%
Annually
24 Month
$500
0.54%
0.54%
Annually
12 Month
$500
0.24%
0.24%
Annually
SAVINGS4,6
Prosperity Premium Savings
Tier 2
$25,000
0.22%
0.22%
Quarterly
Tier 1
$0-$24,999
0.07%
0.07%
Quarterly
Personal Savings
$100
0.07%
0.07%
Quarterly
Holiday Savings
$10
0.50%
0.50%
Annually
CHECKING
Freedom Checking
$50 / NA
N/A
N/A
N/A
Prosperity Checking
$50 / $2,500
0.05%
0.05%
Monthly
CHECKING & MONEY MARKET SAVINGS7
Convenience Checking
$50 / N/A
N/A
N/A
N/A
Online Money Market Savings4
Tier 3
$100,000
0.50%
0.50%
Monthly
Tier 2
$50,000 - $99,999
0.30%
0.30%
Monthly
Tier 1
$0 - $49,999
0.05%
0.05%
Monthly

Rates Effective as of

  1. Variable Interest Rate and APY (checking, savings, money market and trade-up CD) are subject to change after opening accounts. Rates are subject to change without notice. Fees could reduce earnings on the account. Penalties may be assessed for early withdrawal on certificates of deposit.
  2. Trade-Up CD rate change upon request of one account holder, one time during term of CD to rate available for 24 month term at time of rate change.
  3. Dream Builder Certificate of Deposit must have monthly automatic deposits of $20.
  4. All balances below minimum may earn interest however may incur service fees. See corresponding Truth-in Savings for complete details.
  5. 16-Month CD can withdraw upto 50% without penalty or add to balance at 8 months prior to maturity date, upon request of account holder.
  6. Custodial Savings only one account per tax identification number.
  7. No check writing capabilties, debit card, ACH or auto transfer only.

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

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