With a special rate from F&M Bank, you can grow your savings even faster for those short and long-term goals.

1.20% APY*
30-month term
One penalty-free withdrawal after 15 months

*Annual Percentage Yield. Rate as of June 21, 2017. Subject to change. At maturity, this CD will convert to a regular 24 month certificate. 

CDs with terms of 18 months or longer receive a .10% rate increase with accompanying checking account.

Here's another option to earn a great return on your deposits. We now offer Kasasa Cash Checking, where you can earn 2.01% APY on balances up to $15,000! Click here to learn all about it.

Check out interest rates on other CDs or Home Equity Lines of Credit available at Farmers & Merchants Bank.  Find branch location information.