4-year term FDIC cert #14056

Farmers and Merchants Bank of St. Clair 4-year CD rates

Farmers and Merchants Bank of St. Clair's 4-year certificate of deposit, with current APY, peer comparison, and end-of-term earnings.

Latest snapshot observed 2026-05-18.

2.50%

APY · 4-year

Term

4-year

Minimum deposit

$500

As of

2026-05-18

How current 4-year CD rates are spread across the market. This rate is 2.50% — higher than 57% of products in this slice.

Honest Number rate database · latest snapshot per institution

Weekly national average for 4-year CDs over the past year. Latest national average: 2.17%. This product: 2.50%.

Honest Number rate database · weekly mean from observation_date

What you'd have at the end of the full 4 years term at 2.50% APY.

Initial deposit

At end of term (4 years)

$11,052

+ $1,052 earned

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