Logo logo
Internet Banking

Access ID:

Personal Services

Business Services

Home Loans Online

Retirement & Investments

Community

Specials



Rates

Click here for a printable version of our rates.


Specials1
Account /Term
Minimum Balance to Open & Earn APY*
Interest Rate
*Annual Percentage Yield (APY)
Compounding
29 Month Trade-Up2
$5,000
0.81%
0.81%
Annually
16 Month - Special Option5
$500
0.54%
0.54%
Annually
20 Month Dream Builder3
$20
0.81%
0.81%
Annually


60 Month Step-Up Certificate
Account/Term
Minimum Balance to Open & Earn APY*
Interest Rate
*Annual Percentage Yield (APY)
Compounding
60 Month
Year 1
$500
0.31%
Annually
Year 2
$500
0.81%
Annually
Year 3
$500
1.31%
Annually
Year 4
$500
1.81%
Annually
Year 5
$500
2.31%
Annuall
APY*
1.34%


Term CD's1
Account /Term
Minimum Balance to Open & Earn APY*
Interest Rate
*Annual Percentage Yield (APY)
Compounding
60 Month
$500
1.25%
1.25%
Annually
36 Month
$500
0.75%
0.75%
Annually
24 Month
$500
0.54%
0.54%
Annually
12 Month
$500
0.24%
0.24%
Annually


Individual Retirement (IRA)1
Account /Term
Minimum Balance to Open & Earn APY*
Interest Rate
*Annual Percentage Yield (APY)
Compounding
18 Month
$500
0.34%
0.34%
Annually


Money Market4
Account /Term
Minimum Balance to Open & Earn APY*
Interest Rate
*Annual Percentage Yield (APY)
Compounding
MMDA Tier 3
$100,000
0.32%
0.32%
Monthly
MMDA Tier 2
$25,000
0.18%
0.18%
Monthly
MMDA Tier 1
$0-$24,999
0.05%
0.05%
Monthly


Savings4,6
Account /Term
Minimum Balance to Open & Earn APY*
Interest
*Annual Percentage Yield (APY)
Compounding
Hometown Premium Savings Tier 2
$25,000
0.22%
0.22%
Quarterly
Hometown Premium Savings Tier 1
$0-$24,999
0.07%
0.07%
Quarterly
Personal Savings
$100
0.07%
0.07%
Quarterly
Custodial Savings Tier 2
>$501
0.50%
0.50%
Quarterly
Custodial Savings Tier 1
$0-500
1.00%
1.00%
Quarterly
Youth Savings
$10
0.50%
0.50%
Quarterly
Holiday Savings
$10
0.50%
0.50%
Annually


Checking1
Account / Term
Minimum to Open
Minimum to Earn APY*
Interest Rate
*Annual Percentage Yield (APY)
Compounding
Free
%50
N/A
N/A
N/A
N/A
Hometown
$100
$2,500
0.05%
0.05%
Monthly
HSA Checking
$100
$100
0.52%
0.52%
Monthly
Interest Checking Tier 2
$1,000
$2,500
0.05%
0.05%
Monthly
Interest Checking Tier 1
$1,000
$0-$2,499
0.01%
0.01%
Monthly

Rates Effective as of

  1. Variable interest rate and APY (checking, savings, money market and trade-up CD) are subject to change after opening account. Rates are subject to change without notice. Fees could reduce earnings on the account. Penalties may be assessed for early withdrawal on certificates of deposit.
  2. Trade-up CD rate change upon request of one account holder, one time during term of CD to rate available for 24 month term at time of rate change.
  3. Dream Builder Certificate of Deposit must have monthly automatic deposits of $20.
  4. All balances below minimum may earn interest however will incur service fees. See corresponding Truth-in Savings for complete details.
  5. 16-Month CD can withdraw up to 50% without penalty or add to balance at 8 months prior to maturity date, upon request of account holder.
  6. Custodial Savings only one account per tax identification number.

-back to top-

 
Security CenterFind us on FacebookDelux Reorder ChecksForeclosed Real Estate For Sale

Member FDIC

Farmers & Merchants State Bank
Waterloo - Marshall Wisconsin
1-888-478-3007

Privacy Policy » Terms of Use » Contact Us » About Us » Locations
Personal Services » Business Services » Home Loans Online » Investment Services » Community »
USA Patriot Act


Equal Housing Lender

©2013 Farmers & Merchants State Bank. All rights reserved. Powered by ProfitStars.