Skip Navigation Farmers & Merchants State Bank

Certificates of Deposit


IRA’S

Retirement planning is very important. IRA’s are definitely an option.


Traditional IRA’S

Take advantage of a tax-deductible contribution with your IRA.


ROTH IRA'S

This is an option that offers you tax-free withdrawals after 59 ½. Penalty for early withdrawal of IRA’S.


SEP’S

Use this retirement avenue for those of you that are self-employed.