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Farmers & Merchants Bank

Certificates & IRAs

Long-term CD instruments with flexible rates and tax savings opportunities with our IRAs.


Flexible options when it comes to Certificates of Deposit. Choose from a variety of maturities ranging from 30 days to 5 years in length. Whether you would prefer a monthly, quarterly, annually, semiannually or compounded at maturity frequency, the choice is yours. Contact your local branch for current rates.

  • Rates vary with deposit amounts & length of term

Traditional IRA

Make your contributions pre-tax so you’ll have more money to invest. You won’t pay taxes until you withdraw during your retirement.*

Roth IRA

Make contributions after taxes and you’ll never owe taxes and all the growth will be tax-free. This is especially useful if you’re in a higher tax bracket at retirement than you are now.*

  • Make contributions after taxes
  • All growth is tax-free

*Always consult with your tax adviser.

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