F&M Bank (Ohio) CD Rates — October 2026
As of October 22, 2026, F&M Bank (Ohio)'s highest tracked CD rate is 3.50% APY on a 9-month promotional CD ($1,000 minimum). That is 2.5 times the FDIC national average for 6-month CDs (1.39%).
Tracking began .
F&M Bank (Ohio) CD rates
CD specials (9, 18, 27 and 36 months) with a $1,000 minimum; specials renew into standard terms at maturity. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 9 months | 9-Month CD Special Promotional | $1,000 | 3.50% | −0.98% | Top 58% of tracked 9-month CDs · Verified October 22, 2026 |
| 18 months | 18-Month CD Special Promotional | $1,000 | 3.50% | −1.22% | Top 52% of tracked 18-month CDs · Verified October 22, 2026 |
| 27 months | 27-Month CD Special Promotional | $1,000 | 3.50% | −1.39% | Verified October 22, 2026 |
| 36 months | 36-Month CD Special Promotional | $1,000 | 3.50% | −1.45% | Top 39% of tracked 36-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are F&M Bank (Ohio)'s best CD rates by term?
F&M Bank (Ohio)'s best rate is 3.50% APY on 9 months, verified October 22, 2026.
- 9 mo3.50%
- 18 mo3.50%
- 27 mo3.50%
- 36 mo3.50%
How much interest could a F&M Bank (Ohio) CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$261.61 interest · $10,261.61 at maturity on $10,000.00.
3.50% APY · 9 months · 9-Month CD Special · Promotional · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 9 months | $130.803.50% APY · 9-Month CD Special · Promotional | $261.613.50% APY · 9-Month CD Special · Promotional | $654.023.50% APY · 9-Month CD Special · Promotional | $1,308.053.50% APY · 9-Month CD Special · Promotional |
| 18 months | $265.033.50% APY · 18-Month CD Special · Promotional | $530.063.50% APY · 18-Month CD Special · Promotional | $1,325.163.50% APY · 18-Month CD Special · Promotional | $2,650.323.50% APY · 18-Month CD Special · Promotional |
| 27 months | $402.263.50% APY · 27-Month CD Special · Promotional | $804.523.50% APY · 27-Month CD Special · Promotional | $2,011.303.50% APY · 27-Month CD Special · Promotional | $4,022.613.50% APY · 27-Month CD Special · Promotional |
| 36 months | $543.593.50% APY · 36-Month CD Special · Promotional | $1,087.183.50% APY · 36-Month CD Special · Promotional | $2,717.953.50% APY · 36-Month CD Special · Promotional | $5,435.893.50% APY · 36-Month CD Special · Promotional |
How F&M Bank (Ohio) compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 274-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 95 of 167 tracked institutions with fresh 274-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| F&M Bank (Ohio) (this institution)9-Month CD Special · Promotional | 9 months | $1,000 | Branches in IN, MI, OH | 3.50% | October 22, 2026 |
| Bread SavingsBread Savings CD · Standard | 9 months | $1,500 | Available nationwide | 4.40% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 9 months | Not stated | Available nationwide | 4.40% | October 22, 2026 |
| CIBC Bank USA (CIBC Agility)CIBC Agility™ Certificate of Deposit (CD) · Standard | 9 months | $1,000 | Available nationwide | 4.35% | October 22, 2026 |
| Justice Federal Credit Union (highest tracked APY for this term)9-Month Special Certificate · Relationship | 9 months | $100,000 | Membership required · branches in 9 states | 5.35% | October 22, 2026 |
| Treasury (APY-equivalent) | 9 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.48% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking F&M Bank (Ohio) on October 22, 2026.
About F&M Bank (Ohio)
- Legal name
- The Farmers & Merchants State Bank
- Regulator ID
- FDIC 5969
- Headquarters
- Archbold, OH
- Available in
- IN, MI, OH
- Total assets
- $3.5 billion
- Also known as
- The Farmers & Merchants State Bank, Farmers & Merchants State Bank
- Website
- www.fm.bank
Source: rates read from https://www.fm.bank/rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at F&M Bank (Ohio)?
Among the rates we track, 3.50% APY on a 9-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a F&M Bank (Ohio) CD?
The lowest minimum we found is $1,000.
How does F&M Bank (Ohio)'s best CD rate compare with Treasury yields?
3.50% APY is −0.98% versus the 9-month Treasury yield of 4.48% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.50% a good CD rate?
It is 2.5 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are F&M Bank (Ohio) CDs insured?
F&M Bank (Ohio) is an FDIC-insured bank (FDIC 5969). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check F&M Bank (Ohio)'s rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from F&M Bank (Ohio)'s website and may change at any time. Confirm terms, minimums and eligibility with F&M Bank (Ohio) before opening an account. This page is not financial advice.