loan services

mortgage loans
Farmers-Merchants Bank of Illinois is dedicated to helping you reach your dream of home ownership.

Whether you are looking to purchase a home or refinance your existing mortgage, Farmers-Merchants can help you find the right loan to meet your needs. No down payment? No problem. With a USDA Rural Development Loan you can purchase your dream home with no money down.

Are you looking for a rate that you can count on for the life of the loan? When you borrow at a fixed rate, your payments will be consistent for the loan's entire term.

Are you shopping around for a better interest rate or hoping to pay off your mortgage sooner? We'll work with you to determine if now is the right time to refinance your existing mortgage.


home equity lines of credit
Need money for home improvements, a vacation, college expenses, or a wedding? A HELOC is a great way to get the cash you need when you need it.
  • Revolving, open ended credit line
  • Competitive interest rates
  • Closing costs are typically low or none at all
  • Interest may be tax deductible
  • Access your line by transfers or writing a check

secured loans
Let us help you purchase that new or used auto, truck, motorcycle, camper or boat. We have the convenient terms and competitive interest rates you are looking for. Call Farmers-Merchants Bank of Illinois for current rates and conditions.

unsecured loans
Needing a little extra cash? Call Farmers-Merchants National Bank. We have personal loans.
  • Starting as low as $500
  • Flexible repayment terms

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Farmers-Merchants Bank of Illinois Disclosures


Photographs by Larry Kanfer Photography, www.kanfer.com