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Farmers & Merchants Bank Homepage

Consumer Loans

Unsecured/Signature Loans

This type of loan is made to qualified individuals for many purposes. No collateral is needed and repayment terms are flexible.

Automobile/Recreation Vehicle Loan

Finance the purchase of a new or used vehicle, snowmobile, camper, motorcycle, ATV or boat and borrow from 75% to 90% of the purchase price. We offer attractive interest rates and flexible repayment terms.

CD Loans

Use your certificate of deposit (CD) as collateral for a loan and borrow up to 100% of the value of the CD. Repayment schedules are flexible and interest rates are determined by the rate you earn on your certificate of deposit account.


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Services to make your life easier

Save time and money; make fewer trips to the bank. We know you have better things to do!

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Borrow up to 100% of your CD

Using your CD as loan collateral is easy, with flexible repayment schedules & interest based on your CD rate.

Savings Made Simple

Unlimited debit card usage, no fees at Farmers & Merchants Bank ATMs, and best yet -- earns Interest on your daily balance!