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Traditional Fixed-Rate CD’s
When it comes to saving money for the future, you
are looking for a safe place and the best rate. At Farmers &
Merchants Bank, we offer a full range of Certificates of Deposit
(CD’s) to meet your needs. With a minimum opening deposit
of $1,000 you may select a term from 6 months to 60 months.
See our Rate Sheet for current
terms and interest rates.
SPECIAL RATES - We are offering a limited-time CD with especially great rates. Click
Here to learn all about it!
All Farmers & Merchant CD’s are F.D.I.C.
insured to the extent allowed by law.
FEATURES:
- Interest can be compounded back into the CD balance
or paid Monthly, Quarterly, or at Maturity.
- Interest may be directly deposited into a separate
Farmers & Merchants account or paid by check quarterly (if CD balance is $5,000 or more).
- Interest rate is fixed for the term of the CD.
- Automatically renewable after 10 day grace period
.
- Maturity notice mailed 10 days prior to maturity.
Penalties:
Early withdrawal will result in forfeiture of three month's interest
on certificates with maturities up to 60 months, and six month’s
interest on certificates with 60 month maturity. Minimum penalty
is $10.00.
Indexed
CDs
Tired of the Ups and Downs
in the Market?
Introducing...Farmers & Merchants Bank Dow Jones Industrials
Indexed CD
The new Farmers & Merchants Bank Dow
Jones Industrials Indexed CD is a worry-free way to invest
your money. Now you can enjoy the benefits of the stock market without
the risks! Each five-year investment is FDIC insured...which
means when the market is up; your money is on the rise. When the
market is down, your original investment is safe and sound!
Farmers & Merchants Bank Dow Jones Industrials
Indexed CD features a number of unique benefits:
Unlimited Upside Returns
No Risk to Principal
FDIC Insurance
No Sales or Management Fees
Peace of Mind!
Farmers & Merchants Bank Dow Jones
Industrials Indexed CD is the best combination of earnings
potential and security. This hybrid deposit product gives you the
chance to participate in market gains, but provides you the assurance
that you won't lose a dime on your original deposit when held to
maturity. The Farmers & Merchants Bank Dow Jones Industrials
Indexed CD’s interest rate will be based on the performance
of the Dow Jones Industrials Average over a five-year term which
provides an opportunity to achieve higher than fixed rate returns.
One of the primary benefits of Farmers
& Merchants Bank Dow Jones Industrials Indexed CD is that
it is FDIC insured. FDIC insurance guarantees your principal just
like traditional CDs have done allowing you to invest without the
risk associated with other investments.
Farmers & Merchants Bank Dow Jones
Industrials Indexed CD comes along at a unique time
as well. With recent volatility in the stock market, an insured
deposit of this type provides peace of mind for you. It can serve
a large variety of savings needs with a low minimum investment of
$1,000 and no sales fees or charges which puts your entire deposit
to work for you.
Don't risk your money; reward it with a Farmers
& Merchants Bank Dow Jones Industrials Indexed CD. Come by any
branch office to find out the details or open an account.
*An Annual Percentage Yield is not available for
this certificate of deposit
**There may be loss of principal if withdrawn prior to maturity
Your Investment is Safe and Sound...Guaranteed!
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