Bank · FDIC insured
Farmers & Merchants Bank CD Rates
Farmers & Merchants Bank’s best CD rate is 3.80% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Farmers & Merchants Bank’s CD rates compare
Compared with banks and credit unions near Dayton, OH, where Farmers & Merchants Bank has the most branches. $10,000, best rate first.
This bank’s best
Farmers & Merchants Bank
3.55%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $355
Certificates of Deposit (CDs)
Top rate
Bridge Credit Union
4.40%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $553
2nd-highest rate
Treadwell Credit Union
4.30%APY
- Term
- 18 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $652
Farmers & Merchants Bank CD score
70
CD score
Higher than 27% of U.S. banks and credit unions
- 3–8 months3–8 mo2.26%
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo3.29%
- 31–60 months31–60 mo2.27%
- QualifiedQualified3.55%
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.
Jumbo CDs ($100,000+)
3.80%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.80% | — |
Sources (1)
- bankwithfm.com/loans/home-loan…nes-of-credit-heloc.html · captured Sep 25, 2026
Certificates of Deposit (CDs)
Up to 3.55%APY · 8 terms
Certificate of Deposits are subject to an early withdrawal penalty, if we allow the withdrawal of any of the principal prior to maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.02% | $50 |
| 6 months | 2.26% | $112 |
| 12 months | 3.55% | $355 |
| 18 months | 3.29% | $498 |
| 24 months | 3.29% | $669 |
| 36 months | 2.27% | $697 |
| 48 months | 2.27% | $939 |
| 60 months | 2.27% | $1,188 |
Sources (1)
- bankwithfm.com/loans/home-loan…nes-of-credit-heloc.html · captured Sep 25, 2026
Special-purpose accounts
Individual Retirement Account (IRA) CD - Fixed Rate
Up to 3.29%APY · 2 terms
1-5 Yr. CD Rates Apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsRegular IRA or Roth IRA. 1-5 Yr. CD Rates Apply | 3.29% | $669 |
| 60 monthsRegular IRA or Roth IRA. 1-5 Yr. CD Rates Apply | 2.27% | $1,188 |
Sources (2)
- bankwithfm.com/loans/personal-…al-vehicle-rv-loans.html
- bankwithfm.com/loans/home-loan…nes-of-credit-heloc.html
All captured Sep 25, 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.