Bank · FDIC insured
Farmers & Merchants National Bank CD Rates
Farmers & Merchants National Bank’s best CD rate is 3.80% APY on a 13-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Farmers & Merchants National Bank’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Farmers & Merchants National Bank has the most branches. $10,000, best rate first.
This bank’s best
Farmers & Merchants National Bank
3.80%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $412
Certificates of Deposit
Top rate
De Soto Mo Pac Credit Union
5.09%APY
- Term
- 12 months
- Minimum
- $5,000
- Earns on $10,000
- $509
2nd-highest rate
Paramount Bank
5.00%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $457
Farmers & Merchants National Bank CD score
82
CD score
Higher than 58% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.80%
- 16–30 months16–30 mo1.35%
- 31–60 months31–60 mo3.80%
- QualifiedQualified3.80%
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 National 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.
Certificates of Deposit
Up to 3.80%APY · 15 terms
Automatically renewable time account. Interest compounded monthly, deposited to another account, or payable by check. No deposits can be made before maturity. Interest penalty and bank service charge for early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91 Day CD. A penalty may be imposed for early withdrawal | 0.95% | $24 |
| 6 months182 Day CD. A penalty may be imposed for early withdrawal | 1.00% | $50 |
| 7 months7 Month CD Special. A penalty may be imposed for early withdrawal | 3.75% | $217 |
| 9 months9 Month CD Special. A penalty may be imposed for early withdrawal | 3.75% | $280 |
| 12 months12 Month CD. A penalty may be imposed for early withdrawal | 1.10% | $110 |
| 13 months13 Month CD Special. A penalty may be imposed for early withdrawal | 3.80% | $412 |
| 15 months15 Month CD. A penalty may be imposed for early withdrawal | 1.10% | $138 |
| 18 months18 Month CD. A penalty may be imposed for early withdrawal | 1.15% | $173 |
| 21 months21 Month CD. A penalty may be imposed for early withdrawal | 1.15% | $202 |
| 24 months24 Month CD. A penalty may be imposed for early withdrawal | 1.25% | $252 |
| 30 months30 Month CD. A penalty may be imposed for early withdrawal | 1.35% | $341 |
| 36 months36 Month CD. A penalty may be imposed for early withdrawal | 1.55% | $472 |
| 37 months37 Month CD Special. A penalty may be imposed for early withdrawal | 3.80% | $1,219 |
| 48 months48 Month CD. A penalty may be imposed for early withdrawal | 1.70% | $698 |
| 60 months60 Month CD. A penalty may be imposed for early withdrawal | 1.90% | $987 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Individual Retirement Account (IRA)
Up to 3.75%APY · 2 terms
Traditional, Roth, & Education IRA's CD terms and rates. Minimum deposit of $25.00. FDIC Insurance.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months18 Month IRA | 3.00% | $453 |
| 60 months60 Month IRA | 3.75% | $2,021 |
Sources (2)
All captured Oct 16, 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.