Current Rates

Checking Accounts

Regular Checking - Personal

Balance Requirement to Obtain APY	None
Interest Rate	N/A
Annual Percentage Yield (APY)	N/A
Balance Requirement to Avoid Service Charges	None
Monthly Service Charge	None

Interest Checking - Sole Proprietorships

Balance Requirement to Obtain APY	Daily balance $1,000+
Interest Rate	.15%
Annual Percentage Yield (APY)	.15%
Balance Requirement to Avoid Service Charges	Average balance $1,000
Monthly Service Charge	$10.00

Kasasa Cash® Checking

Balance Requirement to Obtain APY	Up to $15,000 receive
Interest Rate	1.9917%
Annual Percentage Yield (APY)	2.01%
Balance Requirement to Avoid Service Charges	None
Monthly Service Charge	None

Free Business Checking**

Balance Requirement to Obtain APY	N/A
Interest Rate	N/A
Annual Percentage Yield (APY)	N/A
Balance Requirement to Avoid Service Charges	N/A – activity limits
Monthly Service Charge

Commercial Checking

Balance Requirement to Obtain APY	N/A
Interest Rate	N/A
Annual Percentage Yield (APY)	N/A
Balance Requirement to Avoid Service Charges	Activity and balances are analyzed
Monthly Service Charge

Account Type	Balance Requirement to Obtain APY	Interest Rate	Annual Percentage Yield (APY)	Balance Requirement to Avoid Service Charges	Monthly Service Charge
Account Type	Balance Requirement to Obtain APY	Interest Rate	Annual Percentage Yield (APY)	Balance Requirement to Avoid Service Charges	Monthly Service Charge
Regular Checking – Personal	None	N/A	N/A	None	None
Interest Checking – Sole Proprietorships	Daily balance $1,000+	.15%	.15%	Average balance $1,000	$10.00
Kasasa Cash® Checking	Up to $15,000 receive	1.9917%	2.01%	None	None
	Qualifications not met during cycle; all balances	.03%	.03%	None	None
Free Business Checking**	N/A	N/A	N/A	N/A – activity limits
Commercial Checking	N/A	N/A	N/A	Activity and balances are analyzed

Rates effective as of: December 12, 2018

* Balances over $15,000 earn .10% interest rate on the portion of the balance over $15,000, resulting in range from 2.01% to .3491% APY depending on the account’s balance.

Interest eligibility qualifications during each qualification cycle:

Have at least 12 debit card purchases
At least one ACH auto-debit/credit or direct deposit
Be enrolled in and agree to receive e-Statements (setup in Netteller online banking)

**Limited activity – 1,000 total transactions including checks paid, deposits, deposited items.

Rates are subject to change after the account is opened.

Fees may reduce earnings on interest bearing accounts.

Savings Accounts

Savings over $3,500

Balance Requirement to Obtain APY	Over $3,500
Interest Rate	.15%
Annual Percentage Yield (APY)	1.25% - .18%
Balance Requirement to Avoid Service Charges	None
Monthly Service Charge	N/A

Treehouse Savings Club: Age 6-18

Balance Requirement to Obtain APY	$5 – $5,000
Interest Rate	1.24%
Annual Percentage Yield (APY)	1,25%
Balance Requirement to Avoid Service Charges	None; $5 to open
Monthly Service Charge	N/A

Kasasa Saver®*** Checking: Up to $85,000

Balance Requirement to Obtain APY	Up to $85,000
Interest Rate	1.005400%
Annual Percentage Yield (APY)	1.01%
Balance Requirement to Avoid Service Charges	None
Monthly Service Charge	N/A

Kasasa Saver®*** Checking: Over $85,000

Balance Requirement to Obtain APY	Over $85,000
Interest Rate	.25%
Annual Percentage Yield (APY)	.25%
Balance Requirement to Avoid Service Charges	None
Monthly Service Charge	N/A

Premium Savings: Up to $9,999

Balance Requirement to Obtain APY	Up to $9,999
Interest Rate	.25%
Annual Percentage Yield (APY)	.25%
Balance Requirement to Avoid Service Charges	Quarterly average $100
Monthly Service Charge	$10/qtr.

Premium Savings: $10,000 - $24,999

Balance Requirement to Obtain APY	$10,000 – $24,999
Interest Rate	.25%
Annual Percentage Yield (APY)	.25%
Balance Requirement to Avoid Service Charges	Quarterly average $100
Monthly Service Charge	$10/qtr.

Premium Savings: $25,000 - $49,999

Balance Requirement to Obtain APY	$25,000 – $49,999
Interest Rate	.25%
Annual Percentage Yield (APY)	.25%
Balance Requirement to Avoid Service Charges	Quarterly average $100
Monthly Service Charge	$10/qtr.

Premium Savings: $50,000 and Over

Balance Requirement to Obtain APY	$50,000 and Over
Interest Rate	.35%
Annual Percentage Yield (APY)	.35%
Balance Requirement to Avoid Service Charges	Quarterly average $100
Monthly Service Charge	$10/qtr.

F&M Money Market Special*****

Balance Requirement to Obtain APY	$10.00
Interest Rate	1.776%
Annual Percentage Yield (APY)	1.79%
Balance Requirement to Avoid Service Charges	Monthly average $1,000
Monthly Service Charge	$10/mo.

Christmas Club Savings

Balance Requirement to Obtain APY	Open until maturity
Interest Rate	.25%
Annual Percentage Yield (APY)	.25%
Balance Requirement to Avoid Service Charges	Forfeit interest if cashed prior to maturity
Monthly Service Charge	N/A

Account Type	Balance Requirement to Obtain APY	Interest Rate	Annual Percentage Yield (APY)	Balance Requirement to Avoid Service Charges	Monthly Service Charge
Account Type	Balance Requirement to Obtain APY	Interest Rate	Annual Percentage Yield (APY)	Balance Requirement to Avoid Service Charges	Monthly Service Charge
	Over $3,500	.15%	1.25% - .18%	None	N/A
Treehouse Savings Club – Age 6-18	$5 – $5,000	1.24%	1,25%	None; $5 to open	N/A
Kasasa Saver®*** Checking	Up to $85,000	1.005400%	1.01%	None	N/A
	Over $85,000	.25%	.25%	None	N/A
Premium Savings	Up to $9,999	.25%	.25%	Quarterly average $100	$10/qtr.
	$10,000 – $24,999	.25%	.25%	Quarterly average $100	$10/qtr.
	$25,000 – 49,999	.25%	.25%	Quarterly average $100	$10/qtr.
	$50,000 and Over	.35%	.35%	Quarterly average $100	$10/qtr.
F&M Money Market Special*****	$10.00	1.776%	1.79%	Monthly average $1,000	$10/mo.
Christmas Club Savings	Open until maturity	.25%	.25%	Forfeit interest if cashed prior to maturity	N/A

Rates effective as of: December 12, 2018

*** If tied to a Kasasa Cash® or Kasasa Cash Back® checking account. Balances in your Kasasa Saver account up to $85,000 receive APY of 1.01%; and balances over $85,000 earn .25% interest rate on the portion of the balance over $85,000, resulting in range from 1.01% to .5994% APY depending on the account’s balance.

Interest eligibility qualifications during each qualification cycle:

At least 12 check card purchases
At least 1 direct deposit or automatic payment (ACH)
Be enrolled and agree to receive eStatements

See website for complete details.
Kasasa Cash information
Kasasa Cash Back information

****Limited check writing.
Rates are subject to change after the account is opened.
Fees may reduce earnings on the account.

*****The interest rate on this account is 1.776% with an annual percentage yield of 1.79%.
The special APY will be paid on new Money Market accounts opened between 08/01/18 to 04/15/19. A $10.00 deposit is required to open this account. A monthly service fee of $10.00 will be imposed monthly on the statement cycle if the average daily balance for the monthly statement cycle fall below $1,000.00. Effective 04/16/19, this Money Market special rate will automatically convert to our Money Market Plus account with the rate tiers in effect at that time. Please refer to the disclosures provided upon account opening for current Money Market Plus tiers and fees associated with this account.

Certificates of Deposit

Special Rates on CDs

182 Day Term

Minimum Deposit	$1,000
Interest Rate	.35%
Annual Percentage Yield (APY)	.35%

12 Month Term

Minimum Deposit	$1,000
Interest Rate	.90%
Annual Percentage Yield (APY)	.90%

18 Month Variable*

Minimum Deposit	$1,000
Interest Rate	1.10%
Annual Percentage Yield (APY)	1.10%

18 Month Fixed*

Minimum Deposit	$1,000
Interest Rate	1.35%
Annual Percentage Yield (APY)	1.36%

24 Month Term

Minimum Deposit	$1,000
Interest Rate	.60%
Annual Percentage Yield (APY)	.60%

30 Month Term Special**

Minimum Deposit	$1,000
Interest Rate	1.85%
Annual Percentage Yield (APY)	1.86%

33 Month Term Special**

Minimum Deposit	$1,000
Interest Rate	2.25%
Annual Percentage Yield (APY)	2.27%

36 Month Term

Minimum Deposit	$1,000
Interest Rate	.80%
Annual Percentage Yield (APY)	.80%

48 Month Term

Minimum Deposit	$1,000
Interest Rate	1.15%
Annual Percentage Yield (APY)	1.15%

60 Month Term

Minimum Deposit	$1,000
Interest Rate	2.60%
Annual Percentage Yield (APY)	2.63%

Term	Minimum Deposit	Interest Rate	Annual Percentage Yield (APY)
Term	Minimum Deposit	Interest Rate	Annual Percentage Yield (APY)
182 Days	$1,000	.35%	.35%
12 Month	$1,000	.90%	.90%
18 Month Variable*	$1,000	1.10%	1.10%
18 Month Fixed*	$1,000	1.35%	1.36%
24 Month	$1,000	.60%	.60%
30 Month Special**	$1,000	1.85%	1.86%
33 Month Special***	$1,000	2.25%	2.27%
36 Month	$1,000	.80%	.80%
48 Month	$1,000	1.15%	1.15%
60 Month	$1,000	2.60%	2.63%

Rates effective as of: December 12, 2018

Penalty for early withdrawal. CDs with terms of 18 months or longer receive a .10% rate increase with accompanying checking account.
*One penalty-free withdrawal allowed after 6 months. 18 month variable CD rate is only available for IRAs.
**30 month certificate receives one penalty-free withdraw after 15 months. Subject to change. At maturity, this CD will convert to a regular 24 month certificate.

***At maturity, this CD will convert to a 30 month certificate at current market rates.

***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