Farmers and Merchants Union Bank rates: up to 4.30% APY
bank · FDIC CERT 14445 · www.fmub.bank/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Christmas Savings | $0.01 | 0.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings | $500.00 to $1,999.99 | 0.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings | $2,000.00 to $9,999.99 | 0.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings | $10,000.00 to $14,999.99 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings | $15,000.00 or more | 0.60% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $0.01 | 0.75% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Everyday CD Options | 7-31 Day (Based on 31 days) · $2,500.00 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Everyday CD Options | 91 Day · $2,500.00 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 6 Month HSA CD | $2,500.00 · 6 months | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 6 Month IRA CD | $2,500.00 · 6 months | 1.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Everyday CD Options | 182 Day · $2,500.00 | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 7 Month CD Promotion | $5,000 · 7 months | 4.03% | APY | 2026-11-01 | since 2026-11-01 | |
| 7 Month IRA CD Promotion | $5,000 · 7 months | 4.03% | APY | 2026-11-01 | since 2026-11-01 | |
| 12 Month HSA CD | $1,000.00 · 1 year | 3.43% | APY | 2026-11-01 | since 2026-11-01 | |
| 12 Month IRA CD | $1,000.00 · 1 year | 3.48% | APY | 2026-11-01 | since 2026-11-01 | |
| Everyday CD Options | 12 Month · $1,000.00 | 3.43% | APY | 2026-11-01 | since 2026-11-01 | |
| 13 Month CD Promotion | $5,000 · 13 months | 4.30% | APY | 2026-11-01 | since 2026-11-01 | |
| 13 Month IRA CD Promotion | $5,000 · 13 months | 4.30% | APY | 2026-11-01 | since 2026-11-01 | |
| 18 Month HSA CD | $1,000.00 · 18 months | 3.43% | APY | 2026-11-01 | since 2026-11-01 | |
| 18 Month IRA CD | $1,000.00 · 18 months | 3.48% | APY | 2026-11-01 | since 2026-11-01 | |
| Everyday CD Options | 18 Month · $1,000.00 | 3.43% | APY | 2026-11-01 | since 2026-11-01 | |
| 24 Month HSA CD | $1,000.00 · 2 years | 3.54% | APY | 2026-11-01 | since 2026-11-01 | |
| 24 Month IRA CD | $1,000.00 · 2 years | 3.59% | APY | 2026-11-01 | since 2026-11-01 | |
| Everyday CD Options | 24 Month · $1,000.00 | 3.54% | APY | 2026-11-01 | since 2026-11-01 | |
| 30 Month HSA CD | $1,000.00 · 30 months | 3.79% | APY | 2026-11-01 | since 2026-11-01 | |
| 30 Month IRA CD | $1,000.00 · 30 months | 3.84% | APY | 2026-11-01 | since 2026-11-01 | |
| Everyday CD Options | 30 Month · $1,000.00 | 3.79% | APY | 2026-11-01 | since 2026-11-01 | |
| 36 Month HSA CD | $1,000.00 · 3 years | 3.89% | APY | 2026-11-01 | since 2026-11-01 | |
| 36 Month IRA CD | $1,000.00 · 3 years | 3.94% | APY | 2026-11-01 | since 2026-11-01 | |
| Everyday CD Options | 36 Month · $1,000.00 | 3.89% | APY | 2026-11-01 | since 2026-11-01 | |
| 48 Month HSA CD | $1,000.00 · 4 years | 3.94% | APY | 2026-11-01 | since 2026-11-01 | |
| 48 Month IRA CD | $1,000.00 · 4 years | 3.99% | APY | 2026-11-01 | since 2026-11-01 | |
| Everyday CD Options | 48 Month · $1,000.00 | 3.94% | APY | 2026-11-01 | since 2026-11-01 | |
| 60 Month HSA CD | $1,000.00 · 5 years | 4.04% | APY | 2026-11-01 | since 2026-11-01 | |
| 60 Month IRA CD | $1,000.00 · 5 years | 4.09% | APY | 2026-11-01 | since 2026-11-01 | |
| Everyday CD Options | 60 Month · $1,000.00 | 4.04% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Market Checking | $5,000.00 to $49,999.99 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Checking | $50,000.00 to $99,999.99 | 0.14% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Checking | $100,000.00 to $249,999.99 | 0.64% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Checking | $250,000.00 to $999,999.99 | 1.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Checking | $1,000,000.00 to $3,999,999.99 | 2.42% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Checking | $4,000,000.00 or more | 2.93% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Interest Checking | $1,000 to $9,999.99 | 0.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Interest Checking | $10,000.00 or more | 0.40% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.fmub.bank/cd-ira.html | 2026-11-01 23:44 UTC | ok | 6a2f57ae1e90 |
| www.fmub.bank/rates.html | 2026-11-01 23:44 UTC | ok | b2ea53e7ea55 |