Flexible, high-yield solutions designed to help your business grow reserves, manage cash flow, and plan ahead with confidence.
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
F&M Bank 
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Just scan the QR code and grab our mobile banking app—it’s super easy and makes banking a breeze!
Download our app
Tap the badge and grab our mobile banking app—it’s super easy and makes banking a breeze!
Put Your Business Savings to Work, Without Sacrificing Access
Whether you’re building a safety net, planning for future investments, or optimizing excess cash, F&M Bank offers business savings options tailored to your goals.
Our Certificates of Deposit (CDs) and Money Market Deposit Accounts (MMDAs) provide competitive returns with the flexibility your business needs—backed by a local team that understands your market.
Certificates of Deposit (CDs)
Earn more with a fixed-term strategy
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Competitive, fixed interest rates
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Flexible term options to align with your business goals
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Ideal for excess funds you don’t need immediate access to
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FDIC insured for added peace of mind
Best for: Businesses looking to lock in earnings and plan ahead with certainty.
Money Market Accounts (MMDAs)
Balance growth with accessibility
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Tiered interest rates that reward higher balances
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Easy access to funds when you need them
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Helps maintain liquidity while still earning interest
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FDIC insured (link to ICS)
Best for: Businesses that want to earn more on operating reserves while maintaining flexibility.
Why F&M Bank for Your Business Savings?
Local Expertise That Works for You
We understand the unique needs of businesses across the Shenandoah Valley and beyond. Our team partners with you to structure savings solutions that align with your cash flow and growth strategy.
Tailored Financial Solutions
No two businesses are the same. We’ll help you determine the right mix of liquidity and long-term savings to support your goals.
Relationship-Driven Banking
At F&M, you’re more than an account number. You’ll have a dedicated team ready to provide guidance as your business evolves.