Interest Rates

Savings and Checking Accounts


Minimum to Open APY Interest Rate Compounding Frequency
Savings* $50.00 0.10% 0.10% Daily
N.O.W.* $750.00 0.07% 0.07% Monthly
Super N.O.W.* $2,500.00 0.10% 0.10% Monthly
IMMA* $1,000.00 0.10% 0.10% Monthly
PREMIUM IMMA* $50,000.00 0.15% 0.15% Monthly
HEALTH SAVINGS $1.00 0.50% 0.50% Daily
CHRISTMAS $1.00 0.10% 0.10% Daily

Rates Effective: September 9, 2014
*Interest paid on daily statement balance.
The interest rate and annual percentage yield may change after account opening.
Fees could reduce earnings on the account.


Certificates of Deposit

Minimum APY* Interest Rate Compounding Fequency**
CD 30-90 Days $5,000.00 0.10% 0.10% Monthly
CD 182 Days $5,000.00 0.15% 0.15% Monthly
CD 1 Year $1,000.00 0.25% 0.25% Monthly
CD 2 Years $1,000.00 0.35% 0.35% Monthly
CD 3 Years $1,000.00 0.55% 0.55% Monthly
CD 4 Years $1,000.00 0.67% 0.67% Monthly
CD 5 Years $1,000.00 0.85% 0.85% Monthly

Rates Effective: September 9, 2014
*Assumes reinvestment at same rate with monthly compounding.
**$10,000 minimum required for monthly or quarterly interest payment.
Lower balances paid semi-annually.


IRA's

Minimum APY* Interest Rate
Variable-No Maturity $100.00 0.15% 0.15%
1 Year Fixed $100.00 0.25% 0.25%
2 Year Fixed $100.00 0.35% 0.35%
3 Year Fixed $100.00 0.55% 0.55%
4 Year Fixed $100.00 0.67% 0.67%
5 Year Fixed $100.00 0.85% 0.85%
Variable-18 Month $100.00 0.30% 0.30%

*Interest paid semi-annually on all IRA's.
Effective: September 9, 2014

Interest Rates and Annual Percentage Yields

Please note that rates are subject to change without notice.
For more detailed information, you may call Farmers-Merchants National Bank at
217-379-4343 (Toll Free at 888-379-4343.)
A penalty may be imposed for early withdrawal.


These rates reflect the Paxton, Melvin, and Piper City markets.




Farmers-Merchants National Bank Disclosures