Certificates & IRAs

Cultivate the seeds of financial growth.

Nurture your hard-earned money with savings options designed to provide a secure and profitable way to save for the future. Whether you’re planning for retirement, saving for a major purchase, or simply looking to grow your nest egg.

Why choose us?

  • Competitive interest rates help your money grow faster
  • Flexible terms to suit your unique savings goals
  • Local, personalized service from a homegrown Arkansas institution
  • Step-by-step guidance and support from our experienced financial professionals
  • FDIC insured for added peace of mind

Choose the right savings solution for you.

Certificates of Deposit

Certificates of Deposit

With our competitive interest rates and flexible terms, our CDs offer a smart and reliable way to cultivate your savings.

Choose from various terms ranging from 30 days to 5 years, and watch your money grow with confidence.

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Traditional or Roth IRA

Traditional or Roth IRA

Planning for retirement is an essential part of your financial journey. Our IRAs provide you with a tax-advantaged way to save for your golden years. Choose from Traditional or Roth IRAs, depending on your unique financial situation and goals.

Our knowledgeable advisors are here to guide you through the process step-by-step, ensuring you make informed decisions that align with your long-term objectives.

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Innovative banking when you need it.

Farmers and Merchants Bank has a small bank feel with large bank amenities. This allows us to have full confidence that our financial needs are always met.

Jesse Flye
White & Flye Farms