Joy: 309-584-4146 | Paxton: 217-379-4343 |

Online Banking

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Personal Loans

Consumer Loans

Farmers-Merchants Bank of Illinois offers a variety of personal installment loans to meet your financing needs for automobiles, recreational vehicles, motorcycles and boats.

Mortgage Loans

We’re dedicated to helping your reach your dream of home ownership. Whether you’re looking to purchase a home or refinance your existing mortgage, Farmers-Merchants can help you find the right loan to make it happen.

  • No down payment? No problem. With a USDA Rural Development Loan, you can purchase your dream home with no money down.
  • Looking for a steady rate for the life of the loan? When you borrow at a fixed rate, your payments will be consistent for the loan’s entire term.
  • Shopping around for a better interest rate or hoping to pay off your mortgage sooner? We’ll work with you to determine if now is the right time to refinance your existing mortgage.