F&M State Bank Winterset, IA CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

  1. Home
  2. Banks
  3. F&M State Bank Winterset, IA Deposit Rates
Today's 12-month CD rates can be found at 4.25%, 6-month CD rates at 2.79% and 3-month CD rates at 2.28%. Current savings rates are at 0.25% and money market rates are at 2.27%. Mortgage rates today on 30-year fixed loans are around 6.60%. Credit Card rates are at 16.24%. Personal Loan rates are at 8.99%. All these rates, and more, can be found in our database of rates. F&M State Bank Winterset, IA's 12-Month CD (Jumbo) rates are at 4.30%, 6-Month CD (Jumbo) rates are at 4.30%, 60-Month CD (Jumbo) rates are at 3.50%, 48-Month CD (Jumbo) rates are at 3.30%, 36-Month CD (Jumbo) rates are at 3.25%. F&M State Bank Winterset, IA's savings rates are at 0.40%. F&M State Bank Winterset, IA's money market rates are at 1.25%.

F&M State Bank Winterset, IA

To see how these rates compare to F&M State Bank Winterset, IA CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from F&M State Bank Winterset, IA, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with F&M State Bank Winterset, IA CD rates. You can also compare F&M State Bank Winterset, IA savings rates, MMA rates and mortgage rates using our other rate lists.

F&M State Bank Winterset, IA money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at F&M State Bank Winterset, IA? Share your experience about F&M State Bank Winterset, IA by leaving a review below, or read customer reviews before you decide to use F&M State Bank Winterset, IA.

F&M State Bank Winterset, IA Texas Ratio

F&M State Bank Winterset, IA's Texas Ratio is at 0.05%, which is considered excellent. The Texas Ratio for F&M State Bank Winterset, IA is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, F&M State Bank Winterset, IA is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
4.30%
18-Month CD
3.01%
24-Month CD
3.20%
36-Month CD
3.25%
48-Month CD
3.30%
60-Month CD
3.50%
Savings
0.40%
MMA
1.25%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
F&M State Bank Winterset, IA
101 W Jefferson St
Winterset, IA 50273
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

F&M State Bank Winterset, IA CD Rates and Interest Rates

Bank
Product
APY
Min Dep
F&M State Bank Winterset, IA
F&M State Bank Winterset, IA
6-Month CD (Jumbo)
4.30%
$100,000
F&M State Bank Winterset, IA
F&M State Bank Winterset, IA
12-Month CD (Jumbo)
4.30%
$100,000
F&M State Bank Winterset, IA
F&M State Bank Winterset, IA
60-Month CD (Jumbo)
3.50%
$100,000
F&M State Bank Winterset, IA
F&M State Bank Winterset, IA
48-Month CD (Jumbo)
3.30%
$100,000
F&M State Bank Winterset, IA
F&M State Bank Winterset, IA
36-Month CD (Jumbo)
3.25%
$100,000
F&M State Bank Winterset, IA
F&M State Bank Winterset, IA
24-Month CD (Jumbo)
3.20%
$100,000
F&M State Bank Winterset, IA
F&M State Bank Winterset, IA
18-Month CD (Jumbo)
3.01%
$100,000
F&M State Bank Winterset, IA
F&M State Bank Winterset, IA
Money Market
1.25%
$250,000
F&M State Bank Winterset, IA
F&M State Bank Winterset, IA
Savings
0.40%
$25,000
F&M State Bank Winterset, IA
F&M State Bank Winterset, IA
Classic Plus Checking
0.10%
$1,500
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare F&M State Bank Winterset, IA Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Balboa Thrift and Loan Association
Balboa Thrift and Loan Association
12-Month CD
4.40%
$10,000
Inova Federal Credit Union
Inova Federal Credit Union
18-Month CD
4.00%
$200
Charles River Bank
Charles River Bank
12-Month CD
4.00%
$1,000
ESSA Bank & Trust
ESSA Bank & Trust
12-Month CD
4.00%
$1,000
Acme Continental Credit Union
Acme Continental Credit Union
60-Month CD
3.56%
$1,000
PNB Peshtigo National Bank
PNB Peshtigo National Bank
48-Month CD
3.55%
$500
Central State Bank State Center, IA
Central State Bank State Center, IA
24-Month CD
3.53%
$1,500
Citizens Federal S&L Assoc
Citizens Federal S&L Assoc
48-Month CD
3.30%
$1,000
Reliance Bank
Reliance Bank
36-Month CD
3.30%
$500
Access Community Credit Union
Access Community Credit Union
12-Month CD
3.25%
$1,000
Wintrust Bank
Wintrust Bank
26-Month CD
3.20%
$1,000
Union State Bank Olsburg, KS
Union State Bank Olsburg, KS
48-Month CD
3.00%
$1,000
Access Community Credit Union
Access Community Credit Union
48-Month CD
3.00%
$1,000
Leighton State Bank
Leighton State Bank
36-Month CD (step)
2.75%
$500
5Star Bank
5Star Bank
24-Month CD
2.75%
$1,000
Cendera Bank
Cendera Bank
High Yield Money Market
2.53%
$2,500,000
First Commercial Bank, N.A.
First Commercial Bank, N.A.
24-Month CD
2.45%
$2,500
Bristol Morgan Bank
Bristol Morgan Bank
12-Month CD
2.20%
$500
CNB Hugoton, KS
CNB Hugoton, KS
24-Month CD
2.20%
$500
Bank of Hillsboro
Bank of Hillsboro
36-Month CD
2.17%
$1,000
Silver Lake Bank
Silver Lake Bank
36-Month CD
2.02%
$500
United Bank Zebulon, GA
United Bank Zebulon, GA
36-Month CD
1.66%
$500
Everett Co-operative Bank
Everett Co-operative Bank
36-Month CD
1.50%
$500
First Community Bank of Moultrie County
First Community Bank of Moultrie County
30-Month CD
1.26%
$500
Haddon Savings Bank
Haddon Savings Bank
Money Market
1.25%
$10,000
Cayuga Lake National Bank
Cayuga Lake National Bank
36-Month CD
1.21%
$500
1st Community Credit Union
1st Community Credit Union
Money Market
1.11%
$1,000
OlyFed Olympia Federal S&L
OlyFed Olympia Federal S&L
60-Month CD
1.00%
$100
Adams County Bank
Adams County Bank
Passbook Savings
0.75%
$100
Greenfield Banking Company Greenfield, IN
Greenfield Banking Company Greenfield, IN
24-Month CD
0.70%
$1,000
Hancock County SB
Hancock County SB
36-Month CD
0.65%
$500
The Huntington National Bank
The Huntington National Bank
12-Month CD
0.50%
$1,000
First National Bank in Pinckneyville
First National Bank in Pinckneyville
36-Month CD
0.50%
$500
United Republic Bank
United Republic Bank
Business High Yield Money Market
0.50%
$0
First Secure Bank and Trust Co.
First Secure Bank and Trust Co.
30-Month CD
0.45%
$1,000
Bank of Pontiac
Bank of Pontiac
18-Month CD
0.45%
$500
Savings Bank Wakefield, MA
Savings Bank Wakefield, MA
60-Month CD
0.30%
$100
BLC Community Bank
BLC Community Bank
Savings
0.25%
$25
Cape Ann Savings Bank
Cape Ann Savings Bank
NOW Checking
0.25%
$100
Complex Community Federal Credit Union
Complex Community Federal Credit Union
Regular Savings
0.25%
$100
American Savings Bank, FSB
American Savings Bank, FSB
24-Month CD
0.25%
$1,000
Wakefield Co-operative Bank
Wakefield Co-operative Bank
6-Month CD
0.20%
$500
Home Federal S&L of Niles
Home Federal S&L of Niles
Money Market
0.15%
$2,500
Presence Bank
Presence Bank
Money Market
0.15%
$2,500
Milford Bank
Milford Bank
24-Month CD
0.15%
$1,000
Wallkill Valley Federal S&L
Wallkill Valley Federal S&L
Statement Money Market
0.10%
$2,500
First Federal S&L of Lakewood
First Federal S&L of Lakewood
Statement Savings
0.05%
$50
Superior National Bank
Superior National Bank
Business Savings
0.05%
$100
FCN Bank, N.A.
FCN Bank, N.A.
NOW Checking
0.05%
$0
Bank of Star Valley
Bank of Star Valley
Savings
0.03%
$10
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates March 25, 2025

Lender
Product
Rate
APR
Points
3.990%
4.357%
0.750
4.250%
4.514%
0.750
4.500%
4.685%
0.750
15-Year Fixed
5.125%
5.243%
0.625
5.560%
5.250%
0.000
15 Year Fixed
5.300%
5.390%
0.000
15-Year Fixed
5.375%
5.431%
0.000
5.125%
5.447%
1.125
5.250%
5.482%
0.500
5.250%
5.491%
0.000
5.250%
5.506%
0.000
5.375%
5.507%
0.000
5.300%
5.518%
0.000
5.375%
5.525%
0.750
15-Year Fixed Jumbo
5.500%
5.526%
0.000
5.375%
5.563%
0.000
5.500%
5.569%
0.000
5.250%
5.570%
1.250
5.375%
5.582%
1.000
5.500%
5.614%
0.000
5.250%
5.615%
1.750
5.250%
5.629%
2.000
5.500%
5.638%
0.000
5.500%
5.639%
0.250
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

F&M State Bank Winterset, IA Information

F&M State Bank Winterset, IA
101 W Jefferson St
Winterset, IA 50273
Madison
Established Date: 08/11/1938
FDIC Certificate #: 15610
Date of FDIC Deposit Insurance: 08/11/1938
Bank Holding Company: FARMERS&MERCHANTS BCORP
How Many Domestic U.S. Offices? 4
How Many Branches are There? 4
Is F&M State Bank Winterset, IA FDIC Insured? Yes
What is F&M State Bank Winterset, IA's Cert number? 15610
What is the maximum amount for insured deposits? $250,000 per holder, per account

F&M State Bank Winterset, IA Financials

Total Assets:
$230,436,000
Total Deposits:
$204,019,000
Equity Capital:
$21,162,000
Domestic Deposits:
$204,019,000
Net Income:
$656,000
Return on Assets:
1.1833%
Quarterly Return on Assets:
1.1200%
Pretax Return on Assets:
1.4357%
Pretax Quarterly Return on Assets:
1.4400%
Return on Equity:
13.9300%
Quarterly Return on Equity:
12.4700%
Common Equity Tier 1 Capital Ratio:
15.1491%
Tier 1 Risk-Based Capital Ratio:
15.1491%
Leverage Tier 1 (Core Capital) Ratio:
10.3263%
Total Risk-Based Capital Ratio (YTD):
16.0125%
Total Interest Income (YTD):
4.2051%
 
 
Headquarters:
Winterset
FDIC Field Office:
Des Moines
Regulator:
FDIC
County:
Madison
# of Offices:
4
Metropolitan Statistical Area (MSA):
Des Moines-West Des Moines, IA
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Western
FDIC Region:
Kansas City
Source: FDIC Last Updated 03/31/2024

Explore Other Rate Deals

Mortgage rates are holding steady as the Federal Open Market Committee (FOMC) ends its two day meeting this afternoon. The Fed Chairman, Ben Bernanke, will hold a press conference at 2:30 PM EST to announce any changes to the Fed's policies. Current mortgage rates on 30 year conforming loans are averaging 4.45 percent, an increase from last week's average 30 year mortgage rate of 4.42 percent.
Citizens Trust Bank 2 Year CD rates are now at 0.20 percent with a yield of 0.20 percent. View current 2 Year CD rates at Citizens Trust Bank below.
Navy Federal Credit Union is advertising auto loan rates as low as 3.99% APR for both new car loans and used car loans up to 60 months. If you're active duty or retired military or a 25-year member you can save with an additional 1/4% APR discount.

Bank or Credit Union Offers and Deals

Banks and Credit Unions Continue Increasing CD Rates
When is the Best Time for a Roth IRA Conversion?
Texas CD Interest Rates and CD Yields
Variable Deposit Rate Report for January 14, 2016
Compare Mortgage Types When Shopping for a Mortgage
Mortgage Rates: Long Term Mortgage Rates Decline This Week: Conforming 15 Year Mortgage Rates at 3.24%
Current Mortgage Rates: July 14, 2010
Current Mortgage Rates - Higher Mortgage Rates Ahead
1.35% APY - New Highest 1 Year CD Rate in our Database
Rewards Credit Card

Alternative Bank and Credit Union Offers to Explore

Home Mortgage Rates 11/9/10: 30 Year Mortgage Rates at 4.17%, 15 Year Mortgage Rates at 3.64%
Average 30 Year Mortgage Rates Decline This Week
Mortgage Rates Currently Lower: 30 Year Mortgage Rates at 3.98%
Mortgage Foreclosure Resources
Mortgage Rates Move Higher This Week: Current 30 Year Mortgage Rates at 4.20%
Title Insurance: Do I need Title Insurance?
Mortgage Rates: Current Mortgage Rates Increase, 15 Year Mortgage Rates at 3.36%
Current Mortgage Rates: Average Mortgage Rates Decline Today, 30 Year Jumbo Mortgage Rates at 5.33%
Kentucky Best CD Interest Rates & CD Yields
EH National Bank Savings Rates now at 0.81%

F&M State Bank Winterset, IA Reviews

There are no reviews for F&M State Bank Winterset, IA yet. Feel free to create one below.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for F&M State Bank Winterset, IA
Your Name:
Your Rating:

See how F&M State Bank Winterset, IA Compares to other banks