*Offers good through 11/30/2016. *APR is Annual Percentage Rate and rates are fixed. Payments must be automatically deducted from a Farmers and Merchants Bank (F&M) account. Subject to credit approval. All other loan terms and requirements apply. These offers are for new loans and are not available for refinancing existing F&M loans. Other restrictions may apply. 


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Auto Loans: 2.321% APR* based on $10,000 loan with 72 payments of $148.92. Rate is available for 2013 models & newer. Home Equity: 2.992% APR* based on $15,000 loan with 60 payments of $269.48. Loan amount between $15,000 - $200,000. Payments do not include taxes & insurance, insurance is required. An 80% or less loan-to-value ratio (90% loan-to-value if first mortgage is at F&M).