Farmers & Merchants Savings Bank : Farmers & Merchants Savings Bank
101 E Main Street
Manchester , IA 52057
Deposit Rates -
March 15, 2026
CD RATES
APY
MIN
MAX
6 Mo CD
0.45% $10,000
$14,999
Compare
6 Mo CD
0.55% $100,000
$199,999
Compare
12 Mo CD
0.55% $10,000
$14,999
Compare
12 Mo CD
0.75% $100,000
$199,999
Compare
Special: 18 Mo CD
0.50% $10,000
$49,999
Compare
18 Mo CD
0.55% $10,000
$14,999
Compare
Special: 18 Mo CD
0.55% $50,000
$99,999
Compare
Special: 18 Mo CD
0.60% $100,000
-
Compare
18 Mo CD
0.75% $100,000
$199,999
Compare
24 Mo CD
0.70% $10,000
$14,999
Compare
24 Mo CD
0.90% $100,000
$199,999
Compare
30 Mo CD
0.70% $10,000
$14,999
Compare
30 Mo CD
0.90% $100,000
$199,999
Compare
Special: 36 Mo CD
1.41% $10,000
$24,999
Compare
36 Mo CD
0.80% $10,000
$14,999
Compare
Special: 36 Mo CD
1.51% $25,000
-
Compare
36 Mo CD
1.00% $100,000
$199,999
Compare
48 Mo CD
1.05% $10,000
$14,999
Compare
48 Mo CD
1.26% $100,000
$199,999
Compare
SAVINGS RATES
APY
MIN
MAX
Savings
0.20% $2,500
$4,999
Compare
MM RATES
APY
MIN
MAX
Money Market
0.10% $2,500
$2,999
Compare
Money Market
0.10% $10,000
$14,999
Compare
Money Market
0.10% $25,000
$29,999
Compare
FIXED IRA RATES
APY
MIN
MAX
Special: 18 Mo FIRA
0.50% $10,000
$49,999
Special: 18 Mo FIRA
0.55% $50,000
$99,999
Special: 18 Mo FIRA
0.60% $100,000
-
Special: 36 Mo FIRA
1.41% $10,000
$24,999
Special: 36 Mo FIRA
1.51% $25,000
-
INT CHECKING RATES
APY
MIN
MAX
Int Ckg
0.15% $2,500
$3,499
Featured Home Equity Rates in Iowa
Intro APR : 6.950 %
After Intro: 6.950 %
$15,000
Flexible terms, borrow $15K-$750K, redraw up to 100%
Use to consolidate debt or finance your next home project
100% digital app & automated valuation
Largest non-bank HELOC lender in the US
Intro APR : 6.990 %
After Intro: 6.990 %
$0
Competitive rates, Pre-qualify in minutes
Mortgage Advisors standing by to help find the best solution
Flexible terms with fast funding
Minimum credit score: 600
Home Equity Loans & Refinance – Cash out
$0
Home Equity Loans & Refinance – Cash out
Customized rate quote with no impact to credit
Low Rates, Quick Approvals, Wide Range of Products
Over 100 Billion Funded. 22 Years in Business
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Featured 30-Year Fixed Mortgage Rates in Iowa
0.000%
$0
Fees & Points
$0 Total
0.000 Pts
($0)
Fixed rate is locked-in for the life of the loan
PenFed makes home ownership affordable. Federally insured by NCUA
Military service is not required for membership. Equal Housing Lender
6.327%
$1,971
Fees & Points
$2,602 Total
0.813 Pts
($2,602)
Lower your monthly mortgage payment with a streamlined refinance
Keep more money in your pocket by rolling closing costs into your loan
Maximize your savings with custom options that fit your financial goals
Fees & Points
Total
Pts
($0)
Apply in less than 10 minutes.
Fast, stress-free closing in as little as 16 days
More loan types so you’re more likely to qualify
Fees & Points
Total
Pts
($0)
Low rates, quick quote & approval
92% of clients discover savings in
Real savings, real fast - $1100 avg monthly savings
Fees & Points
Total
Pts
($0)
Turn home equity you've earned into cash
Single, convenient monthly payments
Reduce interest with shorter loan terms
Fees & Points
Total
Pts
($0)
Refinance to lower your rate
Free up room in your budget by paying off high-interest debt
Explore 350,000+ 5-star reviews
Fees & Points
Total
Pts
($0)
Your home's value could help you save.
Turn your equity into opportunity.
Calculate your home equity loan options with lenders.
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
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