• Use Your Home Equity & ESCAPE!

    Use Your Home Equity & ESCAPE!

    Rates as low as 2.250% APR*

    APPLY NOW!
  • Great LOW Home Loan rates are still here!

    Great LOW Home Loan rates are still here!

    Act NOW while rates have dropped!

    APPLY NOW!
  • It's a recession proof paycheck!

    It's a recession proof paycheck!

    REVERSE CERTIFICATE OF DEPOSIT

    LEARN MORE
  • ClickSWITCH

    ClickSWITCH

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  • You Have Dreams. We Can Help.

    You Have Dreams. We Can Help.

    Fill out our personal loan application to help finance your dreams.

    APPLY NOW!

Welcome to Farmers & Merchants State Bank

Today’s Rates 


Conventional

30 Year Fixed Rate - Serviced by F&M State Bank
Rate APR Points
3.000% 3.070% 0%
20 Year Fixed Rate - Serviced by F&M State Bank
Rate APR Points
3.000% 3.099% 0%
15 Year Fixed Rate - Serviced by F&M State Bank
Rate APR Points
2.500% 2.626% 0%
10 Year Fixed Rate - Serviced by F&M State Bank
Rate APR Points
2.500% 2.685% 0%

 

Home Equity

Home Equity Line of Credit Special
Rate APR Points
2.250% 2.250% 0%

 

Apply Now

Assumptions: To review loan assumptions associated with the above Rate/APR, please click on Rate or APR displayed, otherwise select Personalized Quote to input your actual loan details.

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COVID-19   UPDATE 4.03.2020

The concern and uncertainty regarding the impact of the coronavirus continues as we make every effort to stay safe.

In a precautionary effort, we closed our lobbies and shortened our hours. We also have staff working from their homes and have enacted our business continuity plans.

Our drive-thru lanes are available in both locations as well as our walk-up in Waterloo during  BANKING HOURS of 8 - 5 pm Monday ~ Friday. We are closed on Saturday. 

Should you need to access your safe deposit box, you will be allowed into the bank. Please call us in advance. If you have a loan closing, precautions will be taken in the bank with social distancing and sanitizer.

Remember online banking and other methods of self-service like mobile banking and telebanc are available resources for 24/7 account access. If you need assistance in enrolling online, please contact us at 1-888-478-3007.

We will continue to monitor the situation and will provide updates should anything change.  If you have question or concerns, do not hesitate to call.  Please stay home and stay safe. Thank you!

For additional information about COVID-19, visit the Centers for Disease Control at cdc.gov.

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