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Farmers & Merchants Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.44%
Our Rating
4.3  / 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
Bonus Amount
up to $300
Our Rating
4.2  / 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.fmbankva.com
540-896-8941
205 S. Main St.
Timberville, VA 22853

Farmers & Merchants Bank is headquartered in TIMBERVILLE and is the 24th largest bank in the state of Virginia. It is also the 828th largest bank in the nation. It was established in 1908 and as of March of 2025, it had grown to 159 employees at 15 locations. Farmers & Merchants Bank's money market rates are 8X the national average, and it has a B+ health rating.

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Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #8668
Year Established1908
Employees159
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.74%
Return on Equity - YTD10.7%
Annual Interest Income$16.3MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.31B$1.31B
LoansQ1 2025vs Q1 2024$819.9MM$818.8MM
DepositsQ1 2025vs Q1 2024$1.21B$1.16B
Equity CapitalQ1 2025vs Q1 2024$92.7MM$79.7MM
Loan Loss AllowanceQ1 2025vs Q1 2024$7.8MM$8.4MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$8.9MM$6.2MM
Real Estate OwnedQ1 2025vs Q1 2024$77K$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.44%
Our Rating
4.3  / 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
Bonus Amount
up to $300
Our Rating
4.2  / 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 & Merchants Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$5$5kTreehouse Savings Club
OTHER TIERS: 0.15% → $5k+
0.15%$0-Premium Savings
0.15%$0-Christmas Club Savings
0.15%$0-Business Premium Savings

Farmers & Merchants Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.71%*$1.5m*-F & M Money Market
OTHER TIERS: 3.04% → $1k - $100k | 3.09% → $100k - $250k | 3.15% → $250k - $750k | 3.20% → $750k - $1.5m
3.71%*$1.5m*-Business Money Market Account
OTHER TIERS: 3.04% → $1k - $100k | 3.09% → $100k - $250k | 3.15% → $250k - $750k | 3.20% → $750k - $1.5m

Farmers & Merchants Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.10%*$250k*-Checking For Non Profits
OTHER TIERS: 0.55% → $1k - $10k | 0.75% → $10k - $100k | 0.95% → $100k - $250k
0.10%$1k-Sole Proprietorships Interest Checking

Farmers & Merchants Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.29%$1k-12 Month CD
3.29%$1k-Business 12 Month CD
3.03%$1k-12 Month Penalty Free CD
3.03%$1k-Business 12 Month Penalty Free CD
3.03%$1k-9 Month CD
3.03%$1k-Business 9 Month CD
2.78%$1k-24 Month CD
2.78%$1k-Business 24 Month CD
2.77%$1k-182 Days CD
2.77%$1k-Business 182 Days CD
2.52%$1k-36 Month CD
2.52%$1k-Business 36 Month CD
2.52%$1k-3 Month CD
2.52%$1k-Business 3 Month CD
2.02%$1k-48 Month CD
2.02%$1k-Business 48 Month CD
1.91%$1k-60 Month CD
1.91%$1k-Business 60 Month CD
Locations

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