Christmas Club

Savings funds for the holidays, future vacations, or even annual real estate tax payments is easier than ever with F&M’s Christmas Club.

Deposits can be made weekly, monthly, or as often as you like with Automatic Funds Transfer.
Club plans are offered with coupon payments of $5 or any other amount you choose.
The plans are designed for 40 coupon payments during the year.
Interest is earned on all funds deposited if the club is kept open until maturity. See our Rate Sheet for current interest rates. Fees may reduce earnings.
Direct Deposit or checks for all deposits plus interest are distributed in October each year to the account of your choice.