Bank · FDIC insured
Farmers & Merchants Bank & Trust CD Rates
Farmers & Merchants Bank & Trust’s best CD rate is 3.93% APY on a 2-year CD. Terms run from 6 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 Marinette, WI-MI, where Farmers & Merchants Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
Farmers & Merchants Bank & Trust
3.93%APY
- Term
- 24 months
- Minimum
- $2,500
- Earns on $10,000
- $801
Certificates of Deposit
Top rate
PCM Credit Union
5.00%APY
- Term
- 8 months
- Minimum
- $500
- Earns on $10,000
- $331
2nd-highest rate
N.E.W. Credit Union
5.00%APY
- Term
- 10 months
- Minimum
- $5,000
- Earns on $10,000
- $415
Farmers & Merchants Bank & Trust CD score
75
CD score
Higher than 39% of U.S. banks and credit unions
- 3–8 months3–8 mo1.52%
- 9–15 months9–15 mo2.93%
- 16–30 months16–30 mo3.93%
- 31–60 months31–60 mo2.83%
- QualifiedQualified3.93%
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.
Special Certificates of Deposit
Up to 5.02%APY · 3 terms
Early withdrawal penalty may apply; fees could reduce earnings. Special CD terms require $25,000 minimum opening amount. Most CDs renew automatically at maturity with a 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.48% | $173 |
| 13 months | 4.50% | $488 |
| 37 monthsAccount holder does not have a consumer checking account in good standing with Farmers & Merchants Bank & Trust | 4.82% | $1,562 |
| 37 monthsAccount holder must have a consumer checking account in good standing with Farmers & Merchants Bank & Trust | 5.02% | $1,630 |
Sources (2)
All captured Oct 5, 2026
Certificates of Deposit
Up to 3.93%APY · 7 terms
Early withdrawal penalty may apply; fees could reduce earnings. Most CDs renew automatically at maturity with a 10-day grace period. No minimum balance required to earn interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 1.52% | $76 |
| 9 months | 2.03% | $152 |
| 12 months | 2.93% | $293 |
| 24 months | 3.93% | $801 |
| 36 months | 2.83% | $873 |
| 48 months | 2.83% | $1,181 |
| 60 months | 2.83% | $1,497 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Special Individual Retirement Accounts (IRAs)
Up to 5.02%APY · 3 terms
Early withdrawal penalty may apply; fees could reduce earnings. An IRA Trustee Fee may be imposed upon transfer outside of Farmers & Merchants Bank & Trust. Special CD/IRA terms require $25,000 minimum opening amount. Most CDs renew automatically at maturity with a 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.48% | $173 |
| 13 months | 4.50% | $488 |
| 37 monthsAccount holder does not have a consumer checking account in good standing with Farmers & Merchants Bank & Trust | 4.82% | $1,562 |
| 37 monthsAccount holder must have a consumer checking account in good standing with Farmers & Merchants Bank & Trust | 5.02% | $1,630 |
Sources (2)
All captured Oct 5, 2026
Individual Retirement Accounts (IRAs)
Up to 3.93%APY · 7 terms
Early withdrawal penalty may apply; fees could reduce earnings. An IRA Trustee Fee may be imposed upon transfer outside of Farmers & Merchants Bank & Trust. Most CDs renew automatically at maturity with a 10-day grace period. No minimum balance required to earn interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 1.52% | $76 |
| 9 months | 2.03% | $152 |
| 12 months | 2.93% | $293 |
| 24 months | 3.93% | $801 |
| 36 months | 2.83% | $873 |
| 48 months | 2.83% | $1,181 |
| 60 months | 2.83% | $1,497 |
Sources (2)
All captured Oct 5, 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.