Farmers-merchants Bank Of Illinois: Joy State Bank

101 W Main St.
Joy, IL 61260

Notable Rates	Vs. Others
Savings 0.20%	4.60% →
1-Year CD 0.55%	4.59% →
2-Year CD 0.65%	4.10% →
5-Year CD 0.80%	4.00% →
30-Year Mortgage N.A.	4.91% →
15-Year Mortgage N.A.	4.39% →
HELOC N.A.	0.99% →

Visit Farmers-merchants Bank Of Illinois

Your Location:
Tucumcari,New Mexico

Farmers-merchants Bank Of Illinois : Joy State Bank — distance 816.33 mi

Deposit Rates - October 31, 2025

Savings and Money Market Rates	APY	MIN	MAX
Savings	0.20%	$100	-	Learn More Reviews
Money Market	0.20%	$1,000	$9,999	Learn More Reviews
Money Market	0.20%	$10,000	$24,999	Learn More Reviews
Money Market	0.25%	$25,000	$49,999	Learn More Reviews

CD Rates	APY	MIN	MAX
6 Mo CD	0.65%	$1,000	-	Learn More Reviews
12 Mo CD	0.55%	$1,000	-	Learn More Reviews
18 Mo CD	0.60%	$1,000	-	Learn More Reviews
24 Mo CD	0.65%	$1,000	-	Learn More Reviews
30 Mo CD	1.01%	$1,000	-	Learn More Reviews
36 Mo CD	0.70%	$1,000	-	Learn More Reviews
48 Mo CD	0.75%	$1,000	-	Learn More Reviews
60 Mo CD	0.80%	$1,000	-	Learn More Reviews

Int Checking Rates	APY	MIN	MAX
Int Ckg	0.10%	$1,000	-	Learn MoreShow Less

Loan Rates - October 31, 2025

There are currently no loan rates available for Farmers-Merchants Bank of Illinois:Joy State Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Illinois 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 401822	0.000%	0.000% 0.00 points $0 fees	$0	Learn More
NMLS ID: 613839	6.012%	5.875% 0.88 points $4,739 fees	$1,893	Learn More
NMLS ID: 6606	6.092%	6.000% 1.00 points $3,162 fees	$1,919	Learn More
NMLS ID: 399799	6.092%	6.000% 0.63 points $3,321 fees	$1,919	Learn More

See More Mortgage Rates →

Featured - Illinois Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US

See More Home Equity Rates →

Note to Farmers-Merchants Bank of Illinois:Joy State Bank
To upload and update your bank's rates please register. It is free to register and add rates.

View Branches Nationwide →

Other Nearby Banks to Consider

WHY YOU CAN TRUST BESTCASHCOW

Every year, Americans collectively lose at least $80 billion in income just by putting their savings in the wrong bank accounts. BestCashCow is the most comprehensive bank rate site on the Internet and our mission is to help you to avoid your share of these losses and to earn and save more. By displaying all of the rates from over 8,000 banks and 7,700 credit unions, we enable you to move your money to more profitable places. You can learn more about the company here.