{"id":15,"date":"2026-11-04T03:46:55","date_gmt":"2026-11-04T03:46:55","guid":{"rendered":"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/calculators\/"},"modified":"2026-11-04T04:37:03","modified_gmt":"2026-11-04T04:37:03","slug":"calculators","status":"publish","type":"page","link":"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/calculators\/","title":{"rendered":"Calculators"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"15\" class=\"elementor elementor-15\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3aa64247 e-con-full fmb-header e-flex e-con e-parent\" data-id=\"3aa64247\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-3aa5fa32 e-con-full fmb-brand e-flex e-con e-child\" data-id=\"3aa5fa32\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3aa5ca24 fmb-emblem elementor-widget elementor-widget-image\" data-id=\"3aa5ca24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"\/\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"276\" height=\"318\" src=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/wp-content\/uploads\/2026\/11\/fmb-logo-real.png\" class=\"attachment-full size-full wp-image-82\" alt=\"\" srcset=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/wp-content\/uploads\/2026\/11\/fmb-logo-real.png 276w, https:\/\/45-56-126-20.ip.linodeusercontent.com\/wp-content\/uploads\/2026\/11\/fmb-logo-real-260x300.png 260w\" sizes=\"(max-width: 276px) 100vw, 276px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3aa5e22b fmb-wordmark elementor-widget elementor-widget-heading\" data-id=\"3aa5e22b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\"><a href=\"\/\">Farmers and Merchants Bank<\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3aa61239 fmb-nav elementor-nav-menu--dropdown-tablet elementor-nav-menu__text-align-aside elementor-nav-menu--toggle elementor-nav-menu--burger elementor-widget elementor-widget-nav-menu\" data-id=\"3aa61239\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;layout&quot;:&quot;horizontal&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;svg aria-hidden=\\&quot;true\\&quot; class=\\&quot;e-font-icon-svg e-fas-caret-down\\&quot; viewBox=\\&quot;0 0 320 512\\&quot; xmlns=\\&quot;http:\\\/\\\/www.w3.org\\\/2000\\\/svg\\&quot;&gt;&lt;path d=\\&quot;M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\\&quot;&gt;&lt;\\\/path&gt;&lt;\\\/svg&gt;&quot;,&quot;library&quot;:&quot;fa-solid&quot;},&quot;toggle&quot;:&quot;burger&quot;}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t\t\t\t\t<nav aria-label=\"Menu\" class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-horizontal e--pointer-underline e--animation-fade\">\n\t\t\t\t<ul id=\"menu-1-3aa61239\" class=\"elementor-nav-menu\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-home menu-item-21\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/\" class=\"elementor-item\">Home<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-22\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/checking-accounts\/\" class=\"elementor-item\">Accounts &#038; Services<span class=\"sub-arrow\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span><\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/checking-accounts\/\" class=\"elementor-sub-item\">Checking Accounts<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-24\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/investment-accounts\/\" class=\"elementor-sub-item\">Investment Accounts<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-25\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/loans\/\" class=\"elementor-sub-item\">Loans<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-26\"><a href=\"https:\/\/alert.smsservicesnow.com\/Landing\/FMBDuke\" class=\"elementor-sub-item\">Debit Card Alert<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-27\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/services\/\" class=\"elementor-sub-item\">Other Services<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-28\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/calculators\/\" class=\"elementor-item\">Resources<span class=\"sub-arrow\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span><\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-29\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/calculators\/\" class=\"elementor-sub-item\">Calculators<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-30\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/location-and-hours\/\" class=\"elementor-item\">About Us<span class=\"sub-arrow\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span><\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/location-and-hours\/\" class=\"elementor-sub-item\">Location and Hours<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-32\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/contact-us\/\" class=\"elementor-item\">Contact Us<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t<div class=\"elementor-menu-toggle\" role=\"button\" tabindex=\"0\" aria-label=\"Menu Toggle\" aria-expanded=\"false\">\n\t\t\t<svg aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--open e-font-icon-svg e-eicon-menu-bar\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M104 333H896C929 333 958 304 958 271S929 208 896 208H104C71 208 42 237 42 271S71 333 104 333ZM104 583H896C929 583 958 554 958 521S929 458 896 458H104C71 458 42 487 42 521S71 583 104 583ZM104 833H896C929 833 958 804 958 771S929 708 896 708H104C71 708 42 737 42 771S71 833 104 833Z\"><\/path><\/svg><svg aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--close e-font-icon-svg e-eicon-close\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M742 167L500 408 258 167C246 154 233 150 217 150 196 150 179 158 167 167 154 179 150 196 150 212 150 229 154 242 171 254L408 500 167 742C138 771 138 800 167 829 196 858 225 858 254 829L496 587 738 829C750 842 767 846 783 846 800 846 817 842 829 829 842 817 846 804 846 783 846 767 842 750 829 737L588 500 833 258C863 229 863 200 833 171 804 137 775 137 742 167Z\"><\/path><\/svg>\t\t<\/div>\n\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-3aa61239\" class=\"elementor-nav-menu\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-home menu-item-21\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/\" class=\"elementor-item\" tabindex=\"-1\">Home<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-22\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/checking-accounts\/\" class=\"elementor-item\" tabindex=\"-1\">Accounts &#038; Services<span class=\"sub-arrow\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span><\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/checking-accounts\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Checking Accounts<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-24\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/investment-accounts\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Investment Accounts<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-25\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/loans\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Loans<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-26\"><a href=\"https:\/\/alert.smsservicesnow.com\/Landing\/FMBDuke\" class=\"elementor-sub-item\" tabindex=\"-1\">Debit Card Alert<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-27\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/services\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Other Services<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-28\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/calculators\/\" class=\"elementor-item\" tabindex=\"-1\">Resources<span class=\"sub-arrow\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span><\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-29\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/calculators\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Calculators<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-30\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/location-and-hours\/\" class=\"elementor-item\" tabindex=\"-1\">About Us<span class=\"sub-arrow\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span><\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/location-and-hours\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Location and Hours<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-32\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/contact-us\/\" class=\"elementor-item\" tabindex=\"-1\">Contact Us<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3aa62a40 fmb-btn fmb-btn-sm elementor-widget elementor-widget-button\" data-id=\"3aa62a40\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/fmbdok.secure.fundsxpress.com\/start\/FMBDOK\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Online Banking<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3aa6ba6a e-con-full fmb-pagehead e-flex e-con e-parent\" data-id=\"3aa6ba6a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3aa67255 e-con-full fmb-pagehead-l e-flex e-con e-child\" data-id=\"3aa67255\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3aa65a4e fmb-rise elementor-widget elementor-widget-heading\" data-id=\"3aa65a4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Calculators<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3aa6a263 e-con-full fmb-pagehead-r e-flex e-con e-child\" data-id=\"3aa6a263\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3aa68a5c fmb-rise fmb-rise-2 elementor-widget elementor-widget-heading\" data-id=\"3aa68a5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Work out a payment before you walk in.<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3aa5b21d fmb-calc-sec e-flex e-con-boxed e-con e-parent\" data-id=\"3aa5b21d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3aa59a16 fmb-calcwrap elementor-widget elementor-widget-html\" data-id=\"3aa59a16\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"fmbc2\" id=\"fmbc2\">\n<style>\n.fmbc2{--fg:#12512A;--gold:#E0B81A;--ink:#1D2A1F;--pale:#F2E7B6;--ground:#FCFBF6;--soft:#E4EBDD;font-family:'Hanken Grotesk',sans-serif;color:var(--ink)}\n.fmbc2 *{box-sizing:border-box}\n.fmbc2-grid{display:grid;grid-template-columns:340px 1fr;gap:0;align-items:start}\n.fmbc2-nav{background:var(--soft);padding:28px 0}\n.fmbc2-nav h4{font-family:'Zilla Slab',serif;font-size:20px;margin:18px 28px 8px;color:var(--fg);letter-spacing:-.2px}\n.fmbc2-nav h4:first-child{margin-top:0}\n.fmbc2-nav button{display:block;width:100%;text-align:left;font:inherit;font-weight:600;font-size:17px;padding:12px 28px;border:0;background:transparent;color:var(--ink);cursor:pointer;border-left:6px solid transparent;transition:background .15s,transform .1s}\n.fmbc2-nav button:hover{background:#d6e1cc}\n.fmbc2-nav button:active{transform:scale(.98)}\n.fmbc2-nav button[aria-selected=\"true\"]{background:#fff;border-left-color:var(--gold);color:var(--fg);font-weight:700}\n.fmbc2-nav button:focus-visible{outline:3px solid var(--gold);outline-offset:-3px}\n.fmbc2-panel{background:var(--fg);color:#fff;padding:40px;min-height:100%}\n.fmbc2-panel h3{font-family:'Zilla 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mneed(target,b,r,y){var g=fv(b,0,r,y),f=fv(0,1,r,y);return f>0?Math.max(0,(target-g)\/f):0}\nvar G=[\n{g:'Loan calculators',items:[\n{id:'auto',t:'Auto Loans',d:'Find out your monthly payment from the price, or how much car you can buy from the payment you want.',\n f:[['mode','What do you know?','sel',['Purchase price','Monthly payment']],['price','Purchase price ($)',28000],['pay','Monthly payment ($)',450],['down','Down payment + trade-in ($)',3000],['tax','Sales tax (%)',4.5],['rate','Interest rate (% a year)',7],['n','Term (months)',60]],\n c:function(v){var t=1+v.tax\/100,n=v.n,res;\n  if(v.mode==='Monthly payment'){var L=v.pay*(v.rate===0?n:(1-Math.pow(1+v.rate\/1200,-n))\/(v.rate\/1200));var price=(L+v.down)\/t;return{big:[usd(price),'price you can afford'],two:[[usd(L),'amount financed'],[usd(v.pay*n-L),'total interest']]}}\n  var L2=Math.max(0,v.price*t-v.down),p=pmt(L2,v.rate,n);return{big:[usd2(p),'estimated monthly payment'],two:[[usd(L2),'amount financed'],[usd(p*n-L2),'total interest']]}}},\n{id:'lease',t:'Buy vs. Lease',d:'Compare what it costs to finance and keep a car against leasing it over the same stretch of time.',\n f:[['sec','Buying'],['price','Purchase price ($)',30000],['down','Down payment ($)',3000],['rate','Loan rate (% a year)',7],['n','Years you will compare',3],['resale','Car value at the end ($)',16500],['sec','Leasing'],['lp','Monthly lease payment ($)',380],['ld','Due at signing ($)',2500],['fee','End-of-lease fees ($)',400]],\n c:function(v){var m=v.n*12,L=v.price-v.down,p=pmt(L,v.rate,Math.max(m,1)),buy=v.down+p*m-v.resale,lease=v.ld+v.lp*m+v.fee,d=lease-buy;\n  return{big:[usd(Math.abs(d)),d>0?'less to buy over '+v.n+' years':'less to lease over '+v.n+' years'],two:[[usd(buy),'net cost to buy'],[usd(lease),'cost to lease']],msg:'Buying leaves you with a car worth about '+usd(v.resale)+'. 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Compare what you pay now with what one new loan would cost.',\n f:[['sec','What you have now'],['bal','Total balance ($)',16000],['rate','Average interest rate (% a year)',19],['pay','Total monthly payments ($)',450],['sec','One new loan'],['nrate','New interest rate (% a year)',10],['n','New term (months)',48]],\n c:function(v){var m0=months(v.bal,v.rate,v.pay),np=pmt(v.bal,v.nrate,v.n),i1=np*v.n-v.bal;\n  if(!isFinite(m0))return{big:[usd2(np),'new monthly payment'],two:[[usd(i1),'interest on the new loan'],['Never','payoff at your current payment']],msg:'Your current payments do not cover the interest, so a consolidation loan would help.'};\n  var i0=v.pay*m0-v.bal,s=i0-i1;return{big:[usd(Math.abs(s)),s>=0?'less interest with one loan':'more interest with one loan'],two:[[usd2(np),'new monthly payment (now '+usd2(v.pay)+')'],[yrs(m0)+' vs '+yrs(v.n),'payoff time, now vs new loan']],msg:s>=0?'A lower rate over a similar time usually saves money.':'A longer term can lower the payment but cost more in interest.'}}}\n]},\n{g:'Savings and retirement calculators',items:[\n{id:'college',t:'College Savings',d:'Work out how much to set aside each month to cover the cost of school.',\n f:[['have','Saved so far ($)',3000],['yrsto','Years until school starts',10],['yrsin','Years in school',4],['cost','Yearly cost in today\u2019s dollars ($)',22000],['infl','Cost increase (% a year)',4],['rate','Your savings earn (% a year)',5]],\n c:function(v){var tot=0;for(var i=0;i<v.yrsin;i++)tot+=v.cost*Math.pow(1+v.infl\/100,v.yrsto+i);\n  var g=fv(v.have,0,v.rate,v.yrsto),need=mneed(tot,v.have,v.rate,v.yrsto*1);\n  return{big:[usd(need),'to save each month'],two:[[usd(tot),'projected total cost'],[usd(g),'your savings will grow to']]}}},\n{id:'savings',t:'Savings Calculator',d:'See what steady deposits can grow into over the years, with interest paid quarterly.',\n f:[['b','Starting balance ($)',1000],['m','Deposit each month ($)',100],['rate','Interest rate (% a year)',2],['y','Years',5]],\n c:function(v){var bal=v.b,dep=v.b,acc=0,r=v.rate\/100;for(var i=1;i<=Math.round(v.y*12);i++){bal+=v.m;dep+=v.m;acc+=bal*r\/12;if(i%3===0){bal+=acc;acc=0}}bal+=acc;return{big:[usd(bal),'estimated balance at the end'],two:[[usd(dep),'you put in'],[usd(bal-dep),'interest earned']]}}},\n{id:'retire',t:'Retirement Planner',d:'Check whether your plan is on track, and what it takes to get there.',\n f:[['age','Your age now',35],['ret','Retire at age',65],['life','Plan to age',90],['have','Saved so far ($)',40000],['m','Saving each month ($)',500],['inc','Income wanted each month, in today\u2019s dollars ($)',4000],['rate','Savings earn before retirement (% a year)',6],['rr','Savings earn in retirement (% a year)',4],['infl','Inflation (% a year)',3]],\n c:function(v){var 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value=\"'+f[2]+'\"><\/label>'}});\n h+='<\/form><div class=\"fmbc2-out\"><span class=\"fmbc2-big\" id=\"c2big\"><\/span><span class=\"fmbc2-lab\" id=\"c2lab\"><\/span><div class=\"fmbc2-two\" id=\"c2two\"><\/div><div id=\"c2msg\"><\/div><\/div><p class=\"fmbc2-note\">Example numbers only. This is a self-help tool, not a rate quote or an offer of credit. Talk with us about your own numbers.<\/p>';\n $('c2panel').innerHTML=h;\n [].forEach.call($('c2panel').querySelectorAll('input,select'),function(e){e.addEventListener('input',run);e.addEventListener('change',run)});\n nav();toggle();run()}\nfunction read(){var v={};cur.f.forEach(function(f){if(f[0]==='sec')return;var e=$('c2-'+f[0]);v[f[0]]=f[2]==='sel'?e.value:(parseFloat(e.value)||0)});return v}\nfunction toggle(){if(!cur.f.some(function(f){return f[2]==='sel'}))return;var m=$('c2-mode').value;\n var hide={auto:{'Purchase price':'pay','Monthly payment':'price'},simple:{'Loan amount':'pay','Monthly payment':'amt'}}[cur.id];if(!hide)return;\n Object.keys(hide).forEach(function(k){});var hid=hide[m];['price','pay','amt'].forEach(function(k){var e=$('c2-'+k);if(e)e.parentNode.style.display=(k===hid)?'none':''})}\nfunction run(){if(!cur)return;toggle();var o=cur.c(read());$('c2big').textContent=o.big[0];$('c2lab').textContent=o.big[1];\n $('c2two').innerHTML=(o.two||[]).map(function(t){return '<div><b>'+t[0]+'<\/b>'+t[1]+'<\/div>'}).join('');\n $('c2msg').innerHTML=o.msg?'<div class=\"fmbc2-msg\">'+o.msg+'<\/div>':''}\nvar start=(location.hash||'').replace('#calc-','');pick(all.some(function(x){return x.id===start})?start:'auto');\n})();\n<\/script>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3aa5820f e-flex e-con-boxed e-con e-parent\" data-id=\"3aa5820f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3aa56a08 fmb-legal elementor-widget elementor-widget-text-editor\" data-id=\"3aa56a08\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Information and interactive calculators are made available to you as self-help tools for your independent use. We can not and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3aa74a94 fmb-cta e-flex e-con-boxed e-con e-parent\" data-id=\"3aa74a94\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3aa7027f e-con-full fmb-flush e-flex e-con e-child\" data-id=\"3aa7027f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3aa6d271 elementor-widget elementor-widget-heading\" data-id=\"3aa6d271\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Want real numbers?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3aa6ea78 elementor-widget elementor-widget-text-editor\" data-id=\"3aa6ea78\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Rates and terms are set when you apply. Come talk with us.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3aa7328d e-con-full fmb-flush e-flex e-con e-child\" data-id=\"3aa7328d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3aa71a86 fmb-btn fmb-btn-green elementor-widget elementor-widget-button\" data-id=\"3aa71a86\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/index.php\/contact-us\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact us<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3aa89af6 e-flex e-con-boxed e-con e-parent\" data-id=\"3aa89af6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3aa83ada e-con-full fmb-flush e-flex e-con e-child\" data-id=\"3aa83ada\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3aa792a9 e-con-full fmb-flush e-flex e-con e-child\" data-id=\"3aa792a9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3aa7629b elementor-widget elementor-widget-heading\" data-id=\"3aa7629b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Farmers and Merchants Bank<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3aa77aa2 elementor-widget elementor-widget-text-editor\" data-id=\"3aa77aa2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>101 East 2nd Street<br>Box 190<br>Duke, OK 73532<\/p><p>Phone (580) 679-3334<br>Fax (580) 679-3337<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3aa7dabe e-con-full fmb-flush e-flex e-con e-child\" data-id=\"3aa7dabe\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3aa7aab0 elementor-widget elementor-widget-heading\" data-id=\"3aa7aab0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Accounts and services<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3aa7c2b7 fmb-footlinks elementor-widget elementor-widget-text-editor\" data-id=\"3aa7c2b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"\/index.php\/checking-accounts\/\">Checking Accounts<\/a><\/p><p><a href=\"\/index.php\/investment-accounts\/\">Investment Accounts<\/a><\/p><p><a href=\"\/index.php\/loans\/\">Loans<\/a><\/p><p><a href=\"\/index.php\/services\/\">Other Services<\/a><\/p><p><a href=\"\/index.php\/calculators\/\">Calculators<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3aa822d3 e-con-full fmb-flush e-flex e-con e-child\" data-id=\"3aa822d3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3aa7f2c5 elementor-widget elementor-widget-heading\" data-id=\"3aa7f2c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Hours<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3aa80acc elementor-widget elementor-widget-text-editor\" data-id=\"3aa80acc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Lobby and drive-up<br>Monday to Thursday 9:00 am to 3:00 pm<br>Friday 9:00 am to 4:00 pm<br>Saturday and Sunday closed<\/p><p>Night depository and ATM open 24\/7<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3aa882ef e-con-full fmb-flush e-flex e-con e-child\" data-id=\"3aa882ef\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3aa852e1 elementor-widget elementor-widget-text-editor\" data-id=\"3aa852e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Member FDIC. Equal Housing Lender.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3aa86ae8 fmb-footlinks elementor-widget elementor-widget-text-editor\" data-id=\"3aa86ae8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"\/index.php\/privacy-policy\/\">Privacy Policy<\/a> &nbsp; <a href=\"\/index.php\/terms-of-use\/\">Terms of Use<\/a> &nbsp; <a href=\"\/index.php\/patriot-act\/\">Patriot Act<\/a> &nbsp; <a href=\"https:\/\/gateway.apiture.com\/FMBDOK\/security_stmt.htm\">Security Statement<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3aa8e30b e-con-full fmb-credit-bar e-flex e-con e-parent\" data-id=\"3aa8e30b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3aa8b2fd elementor-widget elementor-widget-text-editor\" data-id=\"3aa8b2fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>&copy; 2026 Farmers and Merchants Bank. All rights reserved.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3aa8cb04 elementor-widget elementor-widget-html\" data-id=\"3aa8cb04\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<a class=\"fmb-credit\" href=\"https:\/\/velocitsolutions.com\" rel=\"noopener\"><span>Proudly built by<\/span><img decoding=\"async\" src=\"https:\/\/velocitsolutions.com\/wp-content\/uploads\/2026\/05\/cropped-VelocIT-Solutions-Logo-13-1.png\" alt=\"VelocIT Solutions\" height=\"30\"><\/a>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Farmers and Merchants Bank Online Banking Calculators Work out a payment before you walk in. Information and interactive calculators are made available to you as self-help tools for your independent use. We can not and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek personalized advice from qualified [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"footnotes":""},"class_list":["post-15","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/wp-json\/wp\/v2\/pages\/15","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/wp-json\/wp\/v2\/comments?post=15"}],"version-history":[{"count":18,"href":"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/wp-json\/wp\/v2\/pages\/15\/revisions"}],"predecessor-version":[{"id":129,"href":"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/wp-json\/wp\/v2\/pages\/15\/revisions\/129"}],"wp:attachment":[{"href":"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/wp-json\/wp\/v2\/media?parent=15"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}