Welcome to Farmers & Merchants State Bank

Today’s Rates 


Conventional

30 Year Fixed Rate - Serviced by F&M State Bank
Rate APR Points
3.875% 3.949% 0%
20 Year Fixed Rate - Serviced by F&M State Bank
Rate APR Points
3.625% 3.726% 0%
15 Year Fixed Rate - Serviced by F&M State Bank
Rate APR Points
3.125% 3.253% 0%
10 Year Fixed Rate - Serviced by F&M State Bank
Rate APR Points
3.125% 3.311% 0%

 

Home Equity

Home Equity Line of Credit Special
Rate APR Points
2.750% 2.750% 0%

 

Construction

Construction Loan - Serviced by F&M State Bank
Rate APR Points
4.000% 5.612% 0%

 

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Assumptions: The above rates assume you are purchasing a property, with a loan amount of $150,000 and an estimated property value of $250,000. The assumed credit score is 740.

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