CD Specials

Grow Your Savings with Our Limited-Time

7-Month CD Special

Looking for a safe, predictable way to earn more on your savings? F&M Bank's 7-Month Certificate of Deposit (CD) Special offers a competitive fixed rate designed to help you maximize your earnings without taking on market risk.

Open a 7-Month CD with a minimum deposit of $1,000 and earn:

7.75% APY* on balances of $1,000 or more
8.00% APY* when paired with a qualifying F&M Bank primary checking account

With a fixed rate and guaranteed return through maturity, this limited-time CD special is an excellent option for savers seeking higher yields while keeping their money secure.

Earn Even More with a Qualifying Checking Account

Customers who maintain a qualifying F&M Bank primary checking account receive an additional 0.25% rate increase on their CD, boosting the Annual Percentage Yield from 7.75% APY to 8.00% APY.

Please note that Money Market Accounts do not qualify as primary checking accounts for this additional rate benefit.

If you're looking for a simple way to maximize your earnings while enjoying the convenience of everyday banking, pairing your CD with an F&M Bank checking account may be the right solution.

Who Should Consider a 7-Month CD?

This CD special may be ideal if you:

Have at least $1,000 available to deposit
Want a guaranteed rate of return
Prefer a low-risk savings option

Are saving for a near-term financial goal
Want to earn more than a traditional savings account may offer

iOS and Android Users

Download the F&M Bank app on your mobile device.

*Annual Percentage Yield (APY) accurate as of 6/22/26. Minimum deposit required to open and obtain APY is $1,000. APY assumes interest remains on deposit until maturity. Penalties may apply for early withdrawal. Offer subject to change or withdrawal without notice. Additional 0.25% rate increase available with a qualifying F&M Bank primary checking account. Money Market Accounts do not qualify.