Enjoy a fixed rate of 0.99% for the first six months, then as low as Prime + 0.00%!*

Convenience Meets Flexibility

Accessing your Home Equity Line of Credit is now easier than ever with a free F&M Bank Visa debit card®. Leave your checkbook at home and enjoy the convenience of making purchases anywhere Visa* is accepted. Learn more about Home Equity Lines of Credit and whether a HELOC is right for you!

As an added feature, protect your line of credit from unwanted debit card usage with the security of Card Management in Online and Mobile Banking. With Card Management, you can turn your debit card “on” or “off”, set transaction and geographic controls, and receive instant alerts when your card is used.

Features and Benefits
→ Cash on demand
→ Make purchases anywhere Visa is accepted
→ No minimum transaction amount
→ Daily limit of $5,000**
→ No annual fee

Visit a branch near you or Contact Us to get started on your Home Equity Line of Credit with Free Debit Card Today.

Current F&M Bank Customers – Send us a message in Online Banking or Mobile Banking to get started!

*Offer valid for primary residences only. Contingent on credit worthiness and qualifications apply. After initial six-month period, rate changes based on credit score and loan to value at loan origination. Maximum Annual Percentage Rate is 16%. For new loans of $25,000 or more, F&M Bank will pay closing costs including the first property/collateral valuation (up to $500) obtained by the Bank. Subject to change at any time. **Point of sale daily limits are $5,000.00 and ATM cash daily withdrawal limits are $1,000.00.