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: $390. The ongoing APR is 19.24% 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 No introductory APR introductory rate. Signup bonus: 50,000 bonus points after eligible Net Purchases totaling $4,500 or more within 90 days from account opening. Rewards: 2 Points per dollar on eligible Net Purchases; 6 Points per dollar on prepaid airfare, car rental, and hotel reservations booked directly in the Travel Center; automatic statement credits of up to $20 per month (up to $240 annually) for purchases in four eligible categories ($5 per category per month).