Savings and Checking Accounts
| Minimum to Open | APY | Interest Rate | Compounding Frequency | |
| Savings* | $50.00 | 0.15% | 0.15% | Daily |
| N.O.W.* | $750.00 | 0.15% | 0.15% | Monthly |
| Super N.O.W.* | $2,500.00 | 0.15% | 0.15% | Monthly |
| IMMA* | $1,000.00 | 0.35% | 0.35% | Monthly |
| HEALTH SAVINGS | $1.00 | 0.50% | 0.50% | Daily |
| CHRISTMAS | $1.00 | 0.15% | 0.15% | Daily |
Rates Effective: February 6, 2012
*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 | 0.15% | 0.15% | Monthly |
| CD 182 Days | $5,000.00 | 0.30% | 0.30% | Monthly |
| CD 1 Year | $1,000.00 | 0.45% | 0.45% | Monthly |
| CD 2 Years | $1,000.00 | 0.70% | 0.70% | Monthly |
| CD 3 Years | $1,000.00 | 1.06% | 1.05% | Monthly |
| CD 4 Years | $1,000.00 | 1.21% | 1.20% | Monthly |
| CD 5 Years | $1,000.00 | 1.51% | 1.50% | Monthly |
Rates Effective: February 6, 2012
*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 | 0.50% | 0.50% |
| 1 Year Fixed | $100.00 | 0.45% | 0.45% |
| 2 Year Fixed | $100.00 | 0.70% | 0.70% |
| 3 Year Fixed | $100.00 | 1.05% | 1.05% |
| 4 Year Fixed | $100.00 | 1.20% | 1.20% |
| 5 Year Fixed | $100.00 | 1.51% | 1.50% |
| Variable-18 Month | $100.00 | 0.65% | 0.65% |
*Interest paid semi-annually on all IRA's.
Effective: February 6, 2012
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.