Bank · FDIC insured
Farmers & Merchants Bank CD Rates
Farmers & Merchants Bank’s best CD rate is 4.15% APY on a 23-month 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 in Wisconsin, where Farmers & Merchants Bank has the most branches. $10,000, best rate first.
This bank’s best
Farmers & Merchants Bank
4.15%APY
- Term
- 23 months
- Minimum
- $5,000
- Earns on $10,000
- $811
CD Specials
Top rate
Fort Community Credit Union
5.15%APY
- Term
- 60 months
- Minimum
- $250
- Earns on $10,000
- $2,854
2nd-highest rate
Community First Credit Union
5.05%APY
- Term
- 5 months
- Minimum
- —
- Earns on $10,000
- $207
Farmers & Merchants Bank CD score
87
CD score
Higher than 79% of U.S. banks and credit unions
- 3–8 months3–8 mo3.77%
- 9–15 months9–15 mo4.01%
- 16–30 months16–30 mo4.15%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.15%
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 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 4.15%APY · 6 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.50% | $12 |
| 8 months | 3.77% | $250 |
| 11 months | 4.01% | $367 |
| 23 months | 4.15% | $811 |
| 39 months | 3.00% | $1,008 |
| 59 months | 2.75% | $1,427 |
Sources (2)
All captured Oct 5, 2026
Regular CD
Up to 2.00%APY · 7 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.50% | $25 |
| 12 months | 2.00% | $200 |
| 18 months | 1.75% | $264 |
| 24 months | 1.50% | $302 |
| 36 months | 1.35% | $410 |
| 48 months | 1.35% | $551 |
| 60 months | 1.35% | $693 |
Sources (2)
All captured Oct 5, 2026
Funeral Trust CD
1.35%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 months | 1.35% | $693 |
Sources (1)
- fmberlin.com/accounts/deposit-rates · captured Oct 5, 2026
Special-purpose accounts
IRA Specials
Up to 4.19%APY · 5 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 8 months | 3.79% | $251 |
| 11 months | 4.04% | $370 |
| 23 months | 4.19% | $818 |
| 39 months | 3.02% | $1,015 |
| 59 months | 2.77% | $1,438 |
Sources (2)
All captured Oct 5, 2026
Regular IRA
Up to 2.01%APY · 8 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.50% | $12 |
| 6 months | 0.50% | $25 |
| 12 months | 2.01% | $201 |
| 18 months | 1.76% | $265 |
| 24 months | 1.51% | $304 |
| 36 months | 1.35% | $410 |
| 48 months | 1.35% | $551 |
| 60 months | 1.35% | $693 |
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.