• Make Money Management Easier

    Make Money Management Easier

    We offer a variety of Online Banking services to help introduce some ease into your financial management.

    View Features
  • 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!
  • ANYWHERE

    ANYWHERE

    is where our customers find online products & services to bank securely.

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  • ClickSWITCH

    ClickSWITCH

    Have recurring payments pulling from old accounts? We can help!

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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
2.875% 2.945% 0%
20 Year Fixed Rate - Serviced by F&M State Bank
Rate APR Points
2.750% 2.848% 0%
15 Year Fixed Rate - Serviced by F&M State Bank
Rate APR Points
2.125% 2.250% 0%
10 Year Fixed Rate - Serviced by F&M State Bank
Rate APR Points
2.125% 2.308% 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 OPEN MAY 1, 2021 

We are opening the lobby in both Waterloo and Marshall on Saturday. Our hours will be as they were before:   Monday - Friday 9 am - 5 pm and Saturday 9 am to noon.

Our goal is to be responsible, caring and supportive of everyone's efforts to be safe and secure with social distancing and wearing masks. Masks are required. You are welcome to use the drive-thru,  if you choose to not wear a mask inside the bank.

Thanks for your understanding, patience and support during this time. We're looking forward to serving you in our lobbies again!

 

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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