F&M Bank's CD Rates are on the rise!

1.85% APY*
33-month term

Or, choose the option of growing your savings without the worry of a penalty.

1.20% APY**
30-month term
One penalty-free withdrawal after 15 months

*Annual Percentage Yield.
* At maturity, this CD will convert to a 30 month certificate. 1.85% APY with an F&M Bank consumer checking account relationship, or a 1.60% APY without an F&M Bank consumer checking account. Offer valid for personal, consumer deposit accounts. Qualifications apply. Subject to change. 

**At maturity, this CD will convert to a regular 24 month certificate. 
CDs with terms of 18 months or longer receive a .10% rate increase with accompanying checking account. Subject to change.

Rates effective as of September 20, 2017.
 

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Here's another option to earn a great return on your deposits. We now offer Kasasa Cash Checking, where you can earn 2.01% APY on balances up to $15,000! Click here to learn all about it.

Check out interest rates on other CDs or Home Equity Lines of Credit available at Farmers & Merchants Bank.  Find branch location information.