• 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!

    Are you still waiting?

    APPLY NOW!
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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
3.125% 3.195% 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
2.625% 2.752% 0%
10 Year Fixed Rate - Serviced by F&M State Bank
Rate APR Points
2.625% 2.810% 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 Apply Now to input your actual loan details.

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  • Bauer Financial 5-Star award for Farmers & Merchants State Bank
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BANK LOBBIES REMAIN CLOSED 

We continue to remain cautious for your safety and ours.  Our goal is to be responsible, caring and supportive of everyone's efforts to be safe and secure with social distancing and wearing masks. 

PLEASE USE THE DRIVE-THRU, WALK-UP IN WATERLOO,

SCHEDULE AN APPOINTMENT or try our technology. 

 

STAY HEALTHY.   STAY SAFE.    THANK YOU!

 

REMEMBER: We 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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