The Merchants & Farmers Bank of Greene County is a personal credit card from Merchants & Farmers Bank of Greene County. Application typically pulls a hard report from TransUnion. The annual fee is Annual Membership Fee: None. The ongoing APR is 18.24% to 28.24% based on your creditworthiness when you open your account; this APR will vary with the market and is based on the Prime Rate (terms accurate as of 10/2026) after a 0% introductory APR for the first 12 billing cycles on purchases and on balances transferred within 366 days from account opening introductory rate. Rewards: 3% cash back (1.5% base and 1.5% bonus) per $1 on eligible Net Purchases for the first 12 billing cycles, up to $20,000; after that 1.5% cash back; 5% cash back on prepaid car rental and hotel reservations booked through the Travel Center.