F&M Bank Offers Competitive CD Rates

Watch your savings soar with an accompanying F&M checking account.

Interest Rate table arrow 4.50%
Annual Percentage Yield (APY) table arrow 4.58%
Minimum Deposit table arrow Average balance $1,000
Interest Rate table arrow 4.77%
Annual Percentage Yield (APY) table arrow 4.86%
Minimum Deposit table arrow Average balance $1,000
Interest RateAnnual Percentage Yield (APY) Minimum Deposit
12 Month CD Special 4.50%4.58%$1,000
12 Month CD Special with an Accompanying Checking Account4.77%4.86%$1,000

You can view a complete list of CDs rates and specials!

Checking Account Options

Here’s another option to earn a great return on your deposits. We now offer F&M Cash Back Plus, where you can earn 1.00% APY on your daily balance!

Interested in learning more about our CDs? Contact any of our branch locations.

Annual Percentage Yield. The interest rate with an accompanying checking account is 4.75%. Money Market Savings Accounts do not qualify. Certificate of Deposit. 4.50% interest rate without an F&M Bank checking account receives an annual percentage yield of 4.58%. $1,000 minimum deposit is required. The stated APY is accurate as of 04/03/2023. Offer valid for personal, consumer deposit accounts. Subject to early withdrawal penalties.

Have Questions? Get In Touch

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