# F&M Bank (Ohio) CD rates

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%).

Canonical page: https://apyledger.com/cd-rates/f-and-m-bank-ohio
Institution: The Farmers & Merchants State Bank (FDIC 5969)
Aliases: The Farmers & Merchants State Bank, Farmers & Merchants State Bank
Status: live
Last verified: 2026-10-23T03:01:41.000Z (October 22, 2026)
Official source: https://www.fm.bank/rates
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 9-Month CD Special | promotional | 9 months | $1,000 | 3.50% | Not ZIP-priced | −0.98% | 2026-10-23T03:01:41.000Z | [Snapshot 910](https://apyledger.com/snapshots/910) |
| 18-Month CD Special | promotional | 18 months | $1,000 | 3.50% | Not ZIP-priced | −1.22% | 2026-10-23T03:01:41.000Z | [Snapshot 910](https://apyledger.com/snapshots/910) |
| 27-Month CD Special | promotional | 27 months | $1,000 | 3.50% | Not ZIP-priced | −1.39% | 2026-10-23T03:01:41.000Z | [Snapshot 910](https://apyledger.com/snapshots/910) |
| 36-Month CD Special | promotional | 36 months | $1,000 | 3.50% | Not ZIP-priced | −1.45% | 2026-10-23T03:01:41.000Z | [Snapshot 910](https://apyledger.com/snapshots/910) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.