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F&M Bank
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Money Markets

Maximize your earning potential

In today’s interest environment, a Money Market Savings Account from F&M Bank can help maximize your earning potential, while offering the security and flexibility of an insured deposit account. A cornerstone of any smart savings strategy, Money Market accounts are effective tools to plan for short-term goals and long-term growth.








Key Features

Our Money Market Account comes with a number of perks and benefits:

Accessibility
Write up to six checks per month, monitor your accounts with online and mobile banking, or withdraw funds right from our network of ATMs.
Higher Rates
Higher rates than a traditional savings account. Our Money Market Accounts have tiered interest rates. With tiered interest, enjoy a higher APY the more you save.***
Low Balance Requirements
Low opening deposit and balance requirements. Open an account with only $10 and avoid monthly service fees when you maintain an average daily balance of only $1,000. 



























An Essential Part of Your Saving and Investment Strategy
 
The best financial strategies use a constellation of tools to meet your financial needs, build your nest egg, and prepare for the future. Money market accounts can play a pivotal role in your money management plan, offering security, growth, and liquidity.
 
Consider our money market account in conjunction with our other financial products and higher-yield savings vehicles including:
  • Certificates of Deposit to grow your investment in a timed savings account with guaranteed returns.
  • Insured Cash Sweep Accounts to automatically transfer extra funds into interest-bearing accounts, maximizing your earnings.
  • Premium Savings Accounts to set aside funds for short-term goals or a rainy day.
 
Open Your Money Market Account Today
 
Looking for secure savings options In the Shenandoah Valley? With our Money Market account, enjoy higher-interest returns paired with the assurance of working with a trusted, local bank.
 
Opening a Money Market Account is easy and convenient at F&M Bank. Open your account online or visit your local branch today for personalized advice and one-on-one service.

 

*$10.00 deposit is required to open an F&M Money Market account. A monthly service fee of $10.00 will be imposed on statement cycle if the average daily balance for the monthly statement cycle falls below $1,000.00.

**Certificate of Deposit. At maturity, CD will convert to a 24-month certificate. Receives a .10% rate increase with accompanying checking account.

***Annual Percentage Yield.

Account restrictions apply, please see a bank service representative for details. Rates subject to change. Member FDIC.












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