• Use Your Home Equity & ESCAPE!

    Use Your Home Equity & ESCAPE!

    Rates as low as 2.250% APR*

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

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Welcome to Farmers & Merchants State Bank

Today’s Rates 


Conventional

30 Year Fixed Rate - Serviced by F&M State Bank
Rate APR Points
2.750% 2.819% 0%
20 Year Fixed Rate - Serviced by F&M State Bank
Rate APR Points
2.625% 2.723% 0%
15 Year Fixed Rate - Serviced by F&M State Bank
Rate APR Points
2.375% 2.501% 0%
10 Year Fixed Rate - Serviced by F&M State Bank
Rate APR Points
2.375% 2.559% 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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OUR BANK LOBBIES REMAIN CLOSED  - 11.19 update

The uncontrolled spike in Covid-19 cases has resulted in a request for residents to continue to stay home, physically distance and wear a mask. The upcoming holidays will follow the rest of 2020 in the challenge to simply be responsible, caring and supportive of everyone's efforts to be safe and secure regardless of our differences. We can do this!

PLEASE USE THE DRIVE-THRU, WALK-UP IN WATERLOO, SCHEDULE AN APPOINTMENT or try our technology. WE DO HAVE FREE MASKS AVAILABLE FOR APPOINTMENTS, IF NEEDED.

 

STAY HEALTHY.   STAY SAFE.    THANK YOU!

 

p.s. We do have online banking, mobile banking, mobile deposit and telebanc options available.  We are more than happy to help you with one-on-one training. Please schedule some training time today. We want to help!

 

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