The Farmers & Merchants Bank rates: up to 4.15% APY
bank · FDIC CERT 15779 · www.fmberlin.com/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Health Savings Account | $600 - $1,499.99 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account | $1,500 - $2,499.99 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account | $2,500 - $4,999.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account | $5,000 - $14,999.99 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account | $15,000+ | 0.60% | APY | 2026-11-01 | since 2026-11-01 | |
| Kid’s Savings Account | $0.01+ | 0.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular Savings | $0 - $2,499.99 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular Savings | $2,500 - $24,999.99 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular Savings | $25,000+ | 0.45% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| CD Specials | 3 Month | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular CD | 6 Month | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| CD Specials | 8 Month | 3.77% | APY | 2026-11-01 | since 2026-11-01 | |
| CD Specials | 11 Month | 4.01% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular CD | 12 Month | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular CD | 18 Month | 1.75% | APY | 2026-11-01 | since 2026-11-01 | |
| CD Specials | 23 Month | 4.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular CD | 24 Month | 1.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular CD | 36 Month | 1.35% | APY | 2026-11-01 | since 2026-11-01 | |
| CD Specials | 39 Month | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular CD | 48 Month | 1.35% | APY | 2026-11-01 | since 2026-11-01 | |
| CD Specials | 59 Month | 2.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Funeral Trust CD | 60 Month | 1.35% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular CD | 60 Month | 1.35% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Markets | $800 - $14,999.99 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Markets | $15,000 - $99,999.99 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Markets | $100,000 - $249,999.99 | 1.26% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Markets | $250,000 - $499,999.99 | 1.51% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Markets | $500,000 - $999,999.99 | 2.53% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Markets | $1,000,000+ | 3.56% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Ultimate Interest Checking | $0 - $2,499.99 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Ultimate Interest Checking | $2,500 - $9,999.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Ultimate Interest Checking | $10,000 - $24,999.99 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Ultimate Interest Checking | $25,000 + | 0.20% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.fmberlin.com/accounts/cds-iras/ | — | extract-failed | |
| www.fmberlin.com/accounts/savings-money-market/ | — | extract-failed | |
| www.fmberlin.com/accounts/deposit-rates/ | 2026-11-01 23:03 UTC | ok | db4567f113ce |