Holiday Shopping Starts Now!

Predictions are clear: 1) It will be more difficult than ever to obtain the holiday gifts you’re looking for this year. With a global supply chain crisis, experts say you should start shopping NOW, and be flexible with your shopping list. 2) 2021 will be among the most expensive holiday shopping seasons ever. IF you can find the gifts you want, you’re likely to pay a premium. 

What can you do? 1) Set a budget, and stick to it. The really important things aren’t things, and they don’t cost money. 2) Buy local.  Many local businesses aren’t affected by supply chain shortages, and they value your business much more than Amazon. 3) Ask us about a personal loan. Have you checked your credit card rate lately? You’re probably paying upwards of 16%. You’d pay a lot less with us, and we’re MUCH friendlier than a big credit card company! 

F&M Cyber Tip:When a major news event happens, cyber criminals will take advantage of the incident and send phishing emails with a subject line related to the event. These phishing emails often include a link to malicious websites, an infected attachment, or are a scam designed to trick you out of your money.

Deposit Accounts

We offer a variety of accounts to make it possible to bank YOUR way. From basic checking to money markets and CDs earning competitive interest rates, the choice is yours.

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Loan Products

At Farmers and Merchants State Bank, we understand your needs. We can help with flexible terms that fit your budget. Competitive rates and prompt answers make us the first choice for loans in West Central Illinois.

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Trusts & Investments

With a full service trust department established in 1959, we can provide the professional advice you're looking for. Plan for your future with a wide array of options to meet your needs.

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