Bank · FDIC insured
Farmers & Merchants Bank CD Rates
Farmers & Merchants Bank’s best CD rate is 4.10% APY on a 7-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Farmers & Merchants Bank’s CD rates compare
Compared with banks and credit unions near Baltimore, MD, where Farmers & Merchants Bank has the most branches. $10,000, best rate first.
This bank’s best
Farmers & Merchants Bank
4.10%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $237
CD Specials
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
POCU of Maryland
5.12%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $382
Farmers & Merchants Bank CD score
83
CD score
Higher than 63% of U.S. banks and credit unions
- 3–8 months3–8 mo4.10%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo0.50%
- 31–60 months31–60 mo0.60%
- QualifiedQualified4.10%
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 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.
CD Specials
Up to 4.10%APY · 3 terms
Minimum balance of $500 is required to open and obtain the advertised APY. A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Promotional terms do not automatically renew at the promotional rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsMinimum balance of $500 is required to open and obtain the advertised APY. Promotional terms do not automatically renew at the promotional rate | 3.75% | $155 |
| 7 monthsNEW MONEY ONLY. Minimum balance of $500 is required to open and obtain the advertised APY. Promotional terms do not automatically renew at the promotional rate | 4.10% | $237 |
| 13 monthsMinimum balance of $500 is required to open and obtain the advertised APY. Promotional terms do not automatically renew at the promotional rate | 4.00% | $434 |
Certificates of Deposit
Up to 1.00%APY · 7 terms
A penalty may be imposed for early withdrawal, and fees could reduce earnings on the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.35% | $9 |
| 6 months | 0.45% | $22 |
| 12 months | 1.00% | $100 |
| 18 months | 0.50% | $75 |
| 24 months | 0.50% | $100 |
| 30 months | 0.50% | $125 |
| 60 months | 0.60% | $304 |
Sources (1)
- fmb1919.bank/apy-and-cd-deposit-rates-maryland · captured Oct 15, 2026
Special-purpose accounts
IRA Accounts
Up to 1.00%APY · 7 terms
A penalty may be imposed for early withdrawal, and fees could reduce earnings on the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.35% | $9 |
| 6 months | 0.45% | $22 |
| 12 months | 1.00% | $100 |
| 18 months | 0.50% | $75 |
| 24 months | 0.50% | $100 |
| 30 months | 0.50% | $125 |
| 60 months | 0.60% | $304 |
Sources (1)
- fmb1919.bank/apy-and-cd-deposit-rates-maryland · captured Oct 15, 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.