888-478-3007 Waterloo - Marshall, WI

Online Banking

Welcome to Farmers & Merchants State Bank

Special 9-Month Construction Loan

As part of our 125th year celebration, we're offering a special 9-month construction loan. Take advantage of this legendary low rate! 

Apply Now

Today’s Rates 

Conventional

30 Year Fixed Rate - Serviced by F&M State Bank
Rate APR Points
6.500% 6.588% 0%
20 Year Fixed Rate - Serviced by F&M State Bank
Rate APR Points
6.500% 6.615% 0%
15 Year Fixed Rate - Serviced by F&M State Bank
Rate APR Points
6.000% 6.142% 0%
10 Year Fixed Rate - Serviced by F&M State Bank
Rate APR Points
6.000% 6.200% 0%

 

Home Equity

Home Equity Line of Credit Special
Rate APR Points
5.250% 5.250% 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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Security Update

Image of lock with words 'Security Update' above it.

Effective 09.19.2022 F&M is changing a security feature when you log into online banking. The security questions will be going away and a one time passcode will take their place. 

You will need to enter your username and password like normal. It will then ask you one of your security questions that you set up. After you answer the question, it will then ask you to enter your cell phone number. 

You will not be asked to put in the passcode every time you log in after you set it up as long as you use the same device. If you change the device you log in on, it will ask you for a passcode.

Thanks, F&M Team

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