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How About a HELOC?

Looking to add onto your home? Interested in a recreational vehicle? How about doing some traveling? Enjoy the flexibility and convenience of a Home Equity Line of Credit. A HELOC uses the equity in your home as security, and makes funds available when you need them—for whatever you want! Interest rates are about a third of what credit cards charge, and we can provide repayment flexibility to meet your needs. Call Doug or Don today and get the ball rolling!

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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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