Ready to Do More Than Window Shop? ​






















A Home Equity Line of Credit from F&M Bank is a smart and flexible way to reach your short and long-term goals.

  • Home Improvements
  • Major purchases
  • Funds for emergencies
  • Paying down high balances

Take advantage of these special rates today! Subject to credit approval.

Wall Street Journal Prime Rate* plus .24% with no floor, and we will pay your closing costs!**






Looking for a CD Instead? Check out our current special rate on a 30 month certificate.

* This is a variable-interest-rate loan tied to Wall Street Journal Prime Rate as posted in the Wall Street Journal. The Maximum Annual Percentage Rate is 16%. Offer is valid for primary residences only.

** 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. Total closing costs generally range from $150 to $900. Prepayment penalty if closed in first 24 months.