Current Rates

Checking Accounts

Interest Checking - Sole Proprietorships

Balance Requirement to Obtain APY	Daily balance $1,000+
Interest Rate	.10%
Annual Percentage Yield (APY)	.10%
Balance Requirement to Avoid Service Charges	Average balance $1,000
Monthly Service Charge	$10.00

F&M Cash Back Plus

Balance Requirement to Obtain APY	None
Interest Rate	1.00%
Annual Percentage Yield (APY)	1.00%
Balance Requirement to Avoid Service Charges	Only one of the below requirements must be met to avoid the monthly fee.Set up and maintain direct deposit into your Cash Back Plus Checking Account -or- Maintain a minimum daily balance of $5,000 or more -or- Maintain F&M Savings Account, Money Market Account, or Christmas Club account -or- Maintain a personal loan or Home Equity Line of Credit with F&M Bank
Monthly Service Charge	$14.95

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

Local Promise Checking For Non-Profits: $1,000-$9,999

Balance Requirement to Obtain APY	$1,000-$9,999
Interest Rate	0.00%
Annual Percentage Yield (APY)	0.00%
Balance Requirement to Avoid Service Charges	N/A
Monthly Service Charge

Local Promise Checking For Non-Profits: $10,000-$99,999

Balance Requirement to Obtain APY	$10,000-$99,999
Interest Rate	0.75%
Annual Percentage Yield (APY)	0.75%
Balance Requirement to Avoid Service Charges	N/A
Monthly Service Charge

Local Promise Checking For Non-Profits: $100,000-$249,999

Balance Requirement to Obtain APY	$100,000-$249,999
Interest Rate	0.95%
Annual Percentage Yield (APY)	0.95%
Balance Requirement to Avoid Service Charges	N/A
Monthly Service Charge

Local Promise Checking For Non-Profits: $250,000+

Balance Requirement to Obtain APY	$250,000+
Interest Rate	1.10%
Annual Percentage Yield (APY)	1.10%
Balance Requirement to Avoid Service Charges	N/A
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
Basic Checking – Personal	None	N/A	N/A	None	None
Interest Checking – Sole Proprietorships	Daily balance $1,000+	.10%	.10%	Average balance $1,000	$10.00
F&M Cash Back Checking	$1,500	N/A	N/A	Only one of the below requirements must be met to avoid the monthly fee. Set up and maintain direct deposit into your Cash Back Plus Checking Account -or- Maintain a minimum daily balance of $1,500 or more -or- Maintain F&M Savings Account, Money Market Account, or Christmas Club account -or- Maintain a personal loan or Home Equity Line of Credit with F&M Bank	$9.95 if no requirements are met.
F&M Cash Back Plus Checking	$5,000	1.00%	1.00%	Only one of the below requirements must be met to avoid the monthly fee. Set up and maintain direct deposit into your Cash Back Plus Checking Account -or- Maintain a minimum daily balance of $5,000 or more -or- Maintain F&M Savings Account, Money Market Account, or Christmas Club account -or- Maintain a personal loan or Home Equity Line of Credit with F&M Bank	$14.95 if no requirements are met.
Free Business Checking**	N/A	N/A	N/A	N/A – activity limits
Local Promise Checking For Non-Profits	$999 and below	0.00%	0.00%	N/A
	$1,000-$9,999	0.55%	0.55%	N/A
	$10,000-$99,999	0.75%	0.75%	N/A
	$100,000-$249,999	0.95%	0.95%	N/A
	$250,000+	1.10%	1.10%	N/A
Commercial Checking	N/A	N/A	N/A	Activity and balances are analyzed
Insured Cash Sweep (ICS)	Additional FDIC Coverage over $250,000 is available.	Contact us for more information.	Contact us for more information.

Rates effective as of: December 15, 2025

Savings Accounts

Open a Savings Account

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	.50%
Annual Percentage Yield (APY)	.50%
Balance Requirement to Avoid Service Charges	None; $5 to open
Monthly Service Charge	N/A

Premium Savings: $0.00 and over

Balance Requirement to Obtain APY	$0.00 and over
Interest Rate	.15%
Annual Percentage Yield (APY)	.15%
Balance Requirement to Avoid Service Charges	Quarterly average $100
Monthly Service Charge	$10/qtr.

F&M Money Market $1,000.00-$99,999.99

Balance Requirement to Obtain APY	$10.00
Interest Rate	2.88%
Annual Percentage Yield (APY)	2.91%
Balance Requirement to Avoid Service Charges	Monthly average $1,000
Monthly Service Charge	$10/mo.

F&M Money Market $100,000.00 - $249,999.99

Balance Requirement to Obtain APY	$10.00
Interest Rate	2.67%
Annual Percentage Yield (APY)	2.70%
Balance Requirement to Avoid Service Charges	Monthly average $1,000
Monthly Service Charge	$10/mo.

F&M Money Market $250,000.00-$749,999.99

Balance Requirement to Obtain APY	$10.00
Interest Rate	2.72%
Annual Percentage Yield (APY)	2.75%
Balance Requirement to Avoid Service Charges	Monthly average $1,000
Monthly Service Charge	$10/mo.

F&M Money Market $750,000-$1,499,999.99

Balance Requirement to Obtain APY	$10.00
Interest Rate	2.77%
Annual Percentage Yield (APY)	2.80%
Balance Requirement to Avoid Service Charges	Monthly average $1,000
Monthly Service Charge	$10/mo.

F&M Money Market $1,500,000.00+

Balance Requirement to Obtain APY	$10.00
Interest Rate	3.27
Annual Percentage Yield (APY)	3.31%
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	.15%
Annual Percentage Yield (APY)	.15%
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
Treehouse Savings Club – Age 6-18	$5 – $4,999.99	.50%	.50%	None; $5 to open	N/A
	$5,000+	.15%	.15%	None	N/A
Premium Savings	$10.00 and over	.15%	.15%	Quarterly average $100	$10/qtr.
F&M Money Market $1,000.00-$99,999.99	$10.00	2.62%	2.65%	Daily average $1,000	$10/mo.
F&M Money Market $100,000 – $249,999.99	$10.00	2.67%	2.70%	Daily average $1,000	$10/mo.
F&M Money Market $250,000.00-$749,999.99	$10.00	2.72%	2.75%	Daily average $1,000	$10/mo.
F&M Money Market $750,000-$1,499,999.99	$10.00	2.77%	2.80%	Daily average $1,000	$10/mo.
F&M Money Market $1,500,000.00+	$10.00	3.27	3.31%	Daily average $1,000	$10/mo.
Christmas Club Savings	Open until maturity	.15%	.15%	Forfeit interest if cashed prior to maturity	N/A

Certificates of Deposit

Open a Certificate of Deposit

3 Month Term

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

182 Day Term

Minimum Deposit	$1,000
Interest Rate	2.50%
Annual Percentage Yield (APY)	2.52%

7 Month Term

Minimum Deposit	$1,000
Interest Rate	rate unavailable
Annual Percentage Yield (APY)	rate unavailable

9 Month Term

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

12 Month Term

Minimum Deposit	$1,000
Interest Rate	2.75%
Annual Percentage Yield (APY)	2.78%

12 Month Term - Penalty Free

Minimum Deposit	$1,000
Interest Rate	2.50%
Annual Percentage Yield (APY)	2.52%

13 Month Term

Minimum Deposit	$1,000
Interest Rate	rate unavailable
Annual Percentage Yield (APY)	rate unavailable

24 Month Term

Minimum Deposit	$1,000
Interest Rate	2.78%
Annual Percentage Yield (APY)	2.75%

36 Month Term

Minimum Deposit	$1,000
Interest Rate	2.50%
Annual Percentage Yield (APY)	2.52%

48 Month Term

Minimum Deposit	$1,000
Interest Rate	2.00%
Annual Percentage Yield (APY)	2.02%

60 Month Term

Minimum Deposit	$1,000
Interest Rate	1.90%
Annual Percentage Yield (APY)	1.91%

Term	Minimum Deposit	Interest Rate	Annual Percentage Yield (APY)
Term	Minimum Deposit	Interest Rate	Annual Percentage Yield (APY)
3 Month	$1,000	2.25%	2.27%
182 Days	$1,000	2.50%	2.52%
9 Month	$1,000	2.60%	2.63%
12 Month	$1,000	2.75%	2.78%
12 Month – Penalty Free	$1,000	2.50%	2.52%
24 Month	$1,000	2.75%	2.78%
36 Month	$1,000	2.50%	2.52%
48 Month	$1,000	2.00%	2.02%
60 Month	$1,000	1.90%	1.91%
	Open Today

Rates effective as of: December 15, 2025

Penalty for early withdrawal with the exception of our 12-month CD-Penalty Free product. CDs receive a .25% rate increase with an accompanying primary checking account. Money Market Accounts do not qualify as primary checking accounts for this additional rate bump.