FDIC-Insured - Backed by the full faith and credit of the U.S. Government
F&M Bank


Rates

All rates are effective February 27, 2026. Subject to change.

Checking Accounts


Account Type Balance Requirement to Obtain APY Interest Rate Annual Percentage Yield (APY) Balance Requirement to Avoid Service Charges Monthly Service Charge
Basic Checking - Personal None N/A N/A None None
Interest Checking - Sole Proprietorships Daily balance $1,000+ .10% .10% Average balance $1000 $10.00
F&M Cash Back Checking
 
 
 
F&M Cash Back Plus Checking
$1,500
 
 
 

$5,000
N/A
 
 
 

1.00%
N/A
 
 
 

1.00%
Only one of the below requirements must be met to avoid the monthly fee.

Set up and maintain direct deposit into your Cash Back or Cash Back Plus Checking Account
-or-

Maintain a minimum daily balance requirement
-or-

Maintain F&M Savings Account, Money Market Account, or Christmas Club account
-or-

Maintain a personal loan or Home Equity Line of Credit with F&M Bank
$9.95 if no requirements are met.
 
 

$14.95 if no requirements are met.
Local Promise Checking For Non-Profits $999 and below 0.00% 0.00% N/A
Local Promise Checking For Non-Profits $1,000 - $9,999 0.55% 0.55% N/A
Local Promise Checking For Non-Profits $10,000 - $99,999 0.75% 0.75% N/A
Local Promise Checking For Non-Profits $100,000 - $249,999 0.95% 0.95% N/A
Local Promise Checking For Non-Profits $250,000+ 1.10% 1/10% N/A
Small Business Checking N/A N/A N/A $2,500 average ledger balance $10
and $0.50 transaction fee after limit
Business Checking N/A N/A N/A $5,000 average ledger balance $25
and $0.50 transaction fee after limit
Enterprise Business Checking N/A N/A N/A $50,000 average ledger balance $50
and $0.25 transaction fee after limit. Earnings Credits available;  Accounts Analyzed.
Insured Cash Sweep (ICS) Additional FDIC Coverage over $250,000 is available. Contact us for current rates Contact us for current rates N/A











































Savings Accounts


Account Type Balance Requirement to Obtain APY Interest Rate

 Annual Percentage Yield (APY) Balance Requirement to Avoid Service Charges Monthly Service Charge
Treehouse Savings Club – Age 6-18 $5 – $4,999.99 0.50% 0.50% None; $5 to open N/A

$5,000+ 0.15% 0.15% None N/A
Premium Savings $10.00 and over 0.15% 0.15% Quarterly average $100 $10/quarter
F&M Money Market $1,000.00-$99,999.99 $10.00 2.52% 2.55% Daily average $1,000 $10/month
F&M Money Market $100,000 – $249,999.99 $10.00 2.57% 2.60%  Daily average $1,000 $10/month
F&M Money Market $250,000.00-$749,999.99  $10.00 2.62% 2.65% Daily average $1,000 $10/month
F&M Money Market $750,000-$1,499,999.99 $10.00 2.67%  2.70%  Daily average $1,000 $10/month
F&M Money Market $1,500,000.00+ $10.00 3.17% 3.22% Daily average $1,000 $10/month

Christmas Club Savings

 

 

 

 Open until maturity 0.15% 0.15%
Forfeit interest if cashed prior to maturity

 

 

 N/A









iOS and Android Users

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





Certificates of Deposit (CD)

Term Minimum Deposit
 

Interest Rate
 Annual Percentage Yield (APY)
3 Month  $1,000  2.25%  2.27% 
182 Days $1,000  2.50% 2.52% 
9 Month
 $1,000  2.60% 2.63%
12 Month $1,000  2.75%  2.78% 
12 Month Penalty Free $1,000  2.50% 2.52% 
24 Month $1,000  2.75%  2.78% 
36 Month $1,000  2.50%  2.52% 
48 Month $1,000  2.00% 2.02%
60 Month $1,000  1.90% 1.91%
Rates effective as of February 27, 2026.

Penalty for early withdrawal with the exception of our 12-month CD-Penalty Free product. CDs receive a .25% rate increase with an accompanying primary checking account. Money Market Accounts do not qualify as primary checking accounts for this additional rate bump.