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Farmers and Merchants Bank (16810)


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/24/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/24/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/24/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/24/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.bankfmb.com
402-761-7600
617 First Street
Milford, NE 68405

Farmers and Merchants Bank (16810) is headquartered in MILFORD and is the 21st largest bank in the state of Nebraska. It is also the 1,051st largest bank in the nation. It was established in 1949 and as of December of 2024, it had grown to 61 employees at 12 locations. Farmers and Merchants Bank (16810)'s money market rates are 14% higher than the national average, and it has an A health rating.

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Health
A

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #16810
Year Established1949
Employees61
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.77%
Return on Equity - YTD9.89%
Annual Interest Income$41.1MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$966.8MM$860.9MM
LoansQ4 2024vs Q4 2023$255.8MM$249.1MM
DepositsQ4 2024vs Q4 2023$812.1MM$722.7MM
Equity CapitalQ4 2024vs Q4 2023$70.9MM$69.7MM
Loan Loss AllowanceQ4 2024vs Q4 2023$964K$1.3MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$1,000$190K
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/24/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/24/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/24/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/24/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Farmers and Merchants Bank (16810) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$10k*-Passbook Savings Accounts
OTHER TIERS: 0.10% → $0 - $5k | 0.20% → $5k - $10k
0.30%*$10k*-Youth Passbook Savings Accounts
OTHER TIERS: 0.10% → $0 - $5k | 0.20% → $5k - $10k
0.10%$0-Health Savings Accounts

Farmers and Merchants Bank (16810) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$75k*-Money Market Account
OTHER TIERS: 0.10% → $0 - $10k | 0.30% → $10k - $25k | 0.40% → $25k - $75k

Farmers and Merchants Bank (16810) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.27%*$100k*-Prime Fund
OTHER TIERS: 0.25% → $0 - $25k | 1.00% → $25k - $100k
2.02%*$0$25kSmart Checking
OTHER TIERS: 0.05% → $25k+
0.10%$1k-Business Advantage Plus
0.10%$0-SmartEveryday Checking
0.10%$0-Smart55 Checking

Farmers and Merchants Bank (16810) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.37%*$75k*-9 Month Time Certificate Special
OTHER TIERS: 4.06% → $5k - $25k | 4.16% → $25k - $75k
4.37%*$75k*-Minors 9 Month Time Certificate Special
OTHER TIERS: 4.06% → $500 - $25k | 4.16% → $25k - $75k
4.37%*$75k*-NPO 9 Month Time Certificate Special
OTHER TIERS: 4.06% → $500 - $25k | 4.16% → $25k - $75k
1.41%*$30k*-36 Month Time CD
OTHER TIERS: 1.21% → $1.5k - $10k | 1.31% → $10k - $30k
1.41%*$30k*-NPOs 36 Month Time CD
OTHER TIERS: 1.21% → $500 - $10k | 1.31% → $10k - $30k
1.41%*$30k*-Minors 36 Month Time CD
OTHER TIERS: 1.21% → $500 - $10k | 1.31% → $10k - $30k
1.31%*$30k*-24 Month Time CD
OTHER TIERS: 1.00% → $1.5k - $10k | 1.21% → $10k - $30k
1.31%*$30k*-30 Month Time CD
OTHER TIERS: 1.00% → $1.5k - $10k | 1.21% → $10k - $30k
1.31%*$30k*-NPOs 24 Month Time CD
OTHER TIERS: 1.00% → $500 - $10k | 1.21% → $10k - $30k
1.31%*$30k*-NPOs 30 Month Time CD
OTHER TIERS: 1.00% → $500 - $10k | 1.21% → $10k - $30k
1.31%*$30k*-Minors 24 Month Time CD
OTHER TIERS: 1.00% → $500 - $10k | 1.21% → $10k - $30k
1.31%*$30k*-Minors 30 Month Time CD
OTHER TIERS: 1.00% → $500 - $10k | 1.21% → $10k - $30k
1.10%*$30k*-18 Month Time CD
OTHER TIERS: 0.90% → $1.5k - $10k | 1.00% → $10k - $30k
1.10%*$30k*-NPOs 18 Month Time CD
OTHER TIERS: 0.90% → $500 - $10k | 1.00% → $10k - $30k
1.10%*$30k*-Minors 18 Month Time CD
OTHER TIERS: 0.90% → $500 - $10k | 1.00% → $10k - $30k
0.85%*$30k*-12 Month Time CD
OTHER TIERS: 0.75% → $1.5k - $10k | 0.80% → $10k - $30k
0.85%*$30k*-NPOs 12 Month Time CD
OTHER TIERS: 0.75% → $500 - $10k | 0.80% → $10k - $30k
0.85%*$30k*-Minors 12 Month Time CD
OTHER TIERS: 0.75% → $500 - $10k | 0.80% → $10k - $30k
0.50%*$30k*-6 Month Time CD
OTHER TIERS: 0.30% → $1.5k - $10k | 0.40% → $10k - $30k
0.50%*$30k*-NPOs 6 Month Time CD
OTHER TIERS: 0.30% → $500 - $10k | 0.40% → $10k - $30k
0.50%*$30k*-Minors 6 Month Time CD
OTHER TIERS: 0.30% → $500 - $10k | 0.40% → $10k - $30k
0.30%*$30k*-3 Month Time CD
OTHER TIERS: 0.10% → $1.5k - $10k | 0.20% → $10k - $30k
0.30%*$30k*-NPOs 3 Month Time CD
OTHER TIERS: 0.10% → $500 - $10k | 0.20% → $10k - $30k
0.30%*$30k*-Minors 3 Month Time CD
OTHER TIERS: 0.10% → $500 - $10k | 0.20% → $10k - $30k

Farmers and Merchants Bank (16810) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.37%*$75k*-9 Month Fixed Rate IRA Special
OTHER TIERS: 4.06% → $5k - $25k | 4.16% → $25k - $75k
1.41%*$30k*-36 Month Fixed Rate IRA
OTHER TIERS: 1.21% → $1.5k - $10k | 1.31% → $10k - $30k
1.31%*$30k*-24 Month Fixed Rate IRA
OTHER TIERS: 1.00% → $1.5k - $10k | 1.21% → $10k - $30k
1.31%*$30k*-30 Month Fixed Rate IRA
OTHER TIERS: 1.00% → $1.5k - $10k | 1.21% → $10k - $30k
1.10%*$30k*-18 Month Fixed Rate IRA
OTHER TIERS: 0.90% → $1.5k - $10k | 1.00% → $10k - $30k
0.85%*$30k*-12 Month Fixed Rate IRA
OTHER TIERS: 0.75% → $1.5k - $10k | 0.80% → $10k - $30k
0.50%$0-Variable Rate IRA
0.50%*$30k*-6 Month Fixed Rate IRA
OTHER TIERS: 0.30% → $1.5k - $10k | 0.40% → $10k - $30k
0.30%*$30k*-3 Month Fixed Rate IRA
OTHER TIERS: 0.10% → $1.5k - $10k | 0.20% → $10k - $30k
Locations

Availability



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