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The Farmers & Merchants Bank (WI)


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
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 4/29/2025
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 4/29/2025
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.fmberlin.com
920-361-1454
123 W Huron Street
Berlin, WI 54923

The Farmers & Merchants Bank (WI) is headquartered in BERLIN and is the 32nd largest bank in the state of Wisconsin. It is also the 1,097th largest bank in the nation. It was established in 1940 and as of December of 2024, it had grown to 61 employees at 2 locations. The Farmers & Merchants Bank (WI)'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 Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #15779
Year Established1940
Employees61
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.02%
Return on Equity - YTD13.31%
Annual Interest Income$53.1MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$937.2MM$841.7MM
LoansQ4 2024vs Q4 2023$731.3MM$652.3MM
DepositsQ4 2024vs Q4 2023$796.8MM$690.7MM
Equity CapitalQ4 2024vs Q4 2023$70.4MM$63.9MM
Loan Loss AllowanceQ4 2024vs Q4 2023$8MM$7.4MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$6.5MM$850K
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
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 4/29/2025
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 4/29/2025
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.

The Farmers & Merchants Bank (WI) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%$0-FMB Kid’s Savings
0.60%*$15k*-Health Savings Account
OTHER TIERS: 0.05% → $600 - $2.5k | 0.10% → $2.5k - $5k | 0.25% → $5k - $15k
0.45%*$25k*-Regular Savings
OTHER TIERS: 0.05% → $0 - $2.5k | 0.15% → $2.5k - $25k

The Farmers & Merchants Bank (WI) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.55%*$5m*-FMB Money Market
OTHER TIERS: 0.25% → $800 - $15k | 1.00% → $15k - $100k | 1.26% → $100k - $250k | 1.51% → $250k - $500k | 2.53% → $500k - $1m | 3.04% → $1m - $5m

The Farmers & Merchants Bank (WI) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$25k*-FMB Ultimate Interest Checking
OTHER TIERS: 0.05% → $0 - $2.5k | 0.10% → $2.5k - $10k | 0.15% → $10k - $25k

The Farmers & Merchants Bank (WI) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.03%$5k-8 Month CD Special
4.01%$5k-11 Month CD Special
3.75%$5k-23 Month CD Special
3.00%$5k-39 Month CD Special
2.75%$5k-59 Month CD Special
2.00%$500-12 Month CD
1.75%$500-18 Month CD
1.50%$500-24 Month CD
1.35%$500-36 Month CD
1.35%$500-48 Month CD
1.35%$500-60 Month CD
1.35%$0-60 Month Funeral Trust CD
0.50%$5k-3 Month CD Special
0.50%$500-6 Month CD

The Farmers & Merchants Bank (WI) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.04%$5k-8 Month IRA Special
4.04%$5k-11 Month IRA Special
3.79%$5k-23 Month IRA Special
3.02%$5k-39 Month IRA Special
2.77%$5k-59 Month IRA Special
2.01%$1-12 Month IRA
1.76%$1-18 Month IRA
1.51%$1-24 Month IRA
1.35%$1-36 Month IRA
1.35%$1-48 Month IRA
1.35%$1-60 Month IRA
0.50%$1-6 Month IRA
0.50%$1-3 Month IRA
Locations


The Farmers & Merchants Bank (WI) Locations
The Farmers & Merchants Bank123 W Huron StBerlin, WI 54923
Berlin Drive Up Location Branch663 Broadway StBerlin, WI 54923

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