F&M Bank's CD Rates are on the rise!

2.27% APY*
33-month term

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

1.76% APY**
30-month term
One penalty-free withdrawal after 15 months

*Annual Percentage Yield.
*2.27% APY with an F&M Bank consumer checking account relationship, or a 2.02 % APY without an F&M Bank consumer checking account. Offer valid for personal, consumer deposit accounts. Qualifications apply. At maturity, this CD will convert to a 30 month certificate. Subject to change. 

**30 month certificate receives one penalty-free withdraw after 15 months. CDs with terms of 18 months or longer receive a .10% rate increase with accompanying checking account. Subject to change. At maturity, this CD will convert to a regular 24 month certificate.

Rates effective as of September 12, 2018.

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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.