Bank · FDIC insured
Farmers & Merchants Bank & Trust CD Rates
Farmers & Merchants Bank & Trust’s best CD rate is 1.15% APY on a 19-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Farmers & Merchants Bank & Trust’s CD rates compare
Compared with banks and credit unions near Burlington, IA-IL, where Farmers & Merchants Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
Farmers & Merchants Bank & Trust
1.15%APY
- Term
- 19 months
- Minimum
- $500
- Earns on $10,000
- $183
Certificate of Deposit
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
5 Star CCU
4.50%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $223
Farmers & Merchants Bank & Trust CD score
61
CD score
Higher than 3% of U.S. banks and credit unions
- 3–8 months3–8 mo0.65%
- 9–15 months9–15 mo0.21%
- 16–30 months16–30 mo1.15%
- 31–60 months31–60 mo0.77%
- QualifiedQualified1.15%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Farmers & Merchants Bank & Trust ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 1.15%APY · 12 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.14% | $3 |
| 6 months | 0.19% | $9 |
| 7 monthsAuto-renews for 6 months | 0.65% | $38 |
| 9 months | 0.20% | $15 |
| 12 months | 0.21% | $21 |
| 18 months | 0.25% | $38 |
| 19 monthsAuto-renews for 18 months | 1.15% | $183 |
| 24 months | 0.28% | $56 |
| 30 months | 0.32% | $80 |
| 36 months | 0.37% | $111 |
| 48 months | 0.50% | $202 |
| 60 months | 0.77% | $391 |
Sources (1)
- fmbanktrust.bank/personal/cds · captured Sep 18, 2026
Special-purpose accounts
IRA Variable
0.10%APY
Variable rate tied to savings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate tied to savings.Any balance | 0.10% | $10 | Variable rate tied to savings. |
Sources (1)
- fmbanktrust.bank/personal/cds · captured Sep 18, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.