Retirement Plans

Whether your business is large or small, you need to provide attractive benefits to retain your best employees. Farmers & Merchants Bank can help with Individual Retirement Accounts and Simplified Employee Pension Plans.

Farmers & Merchants Financial Services, Inc. can help with a full range of 401(K) and pension plan options. Contact us and our investment professionals will discuss your specific needs.

Products offered by Farmers & Merchants Financial Services, Inc. are: not a deposit, not FDIC-insured, not insured by any federal government agency, not guaranteed by the bank, and may go down in value.

A reference chart is available to help you determine which kind of retirement plan might be best for your business.

Simplified Employee Pension Plans
Also known as SEPs, Simplified Employee Pension Plans enable smaller businesses to provide retirement benefits with lower costs and fewer reporting requirements than other qualified retirement plans. SEPs are essentially a group of individual IRAs which the company maintains for each participating employee. Because the company's contributions are subject to SEP rather than IRA contribution limits, SEPs offer a very attractive solution for both employer and employee.

Contact us and our IRA experts will discuss your needs with you.


FDIC Insurance - Expanded Coverage Up to $50 Million

FDIC Insurance coverage is an important benefit of banking with Farmers & Merchants Bank.† You can rest assured that your deposits are safe and secure. Click here to visit the FDIC website and learn more about how your deposits are insured.

Some customers need more coverage than the $250,000 per bank provided by FDIC. Farmers & Merchants Bank provides full FDIC insurance coverage up to $50 million through participation in the CDARS network for bank CDís (Certificate of Deposit Registry Service). You donít need to open accounts at multiple banks for expanded coverage; open all your accounts here and simplify your finances. Click here to learn all about CDARS.

205 S. Main St.     P.O. Box 1111     Timberville, VA 22853     (540) 896-8941