Open A Savings Account Today For A Brighter Future.

Grow your money in one of our secure and accessible savings accounts or CDs. F&M Bank offers investment and growth options to meet the needs of our clients. From educational savings accounts to free savings accounts, we have an option for every client and every situation. Insured by FDIC, you can depend on secure savings from a team you know and trust when you work with F&M Bank. Contact one of our experienced team members with questions.

Choose The Savings Option That Works Best For You.

Free Kasasa Saver

It’s easy, free, and rewarding to grow your savings by linking our Kasasa Saver account to your free Kasasa Cash or Kasasa Cash Back checking account. Save your cash rewards and earn interest on your savings account balance.

Premium Savings

Watch your interest rate rise as your nest egg grows. You can waive the quarterly service charge with a low average balance of $100.

Treehouse Club

This special account is for kids aged 6-18. There are no minimum balance requirements or service fees. Teach your kids financial literacy basics and give them a sense of ownership over money they earn or receive as gifts.

Money Market

Saving more money gets you a greater return! From now until Tax Day 2019, new money market accounts receive 1.79% APY!* Open an account with only $10.

*Annual Percentage Yield. The interest rate on this account is 1.776% with an annual percentage yield of 1.79%. The special APY will be paid on new Money Market accounts opened between 08/01/18 to 04/15/19. A $10.00 deposit is required to open this account. A monthly service fee of $10.00 will be imposed monthly on the statement cycle if the average daily balance for the monthly statement cycle fall below $1,000.00. Effective 04/16/19, this Money Market special rate will automatically convert to our Money Market Plus account with the rate tiers in effect at that time. Please refer to the disclosures provided upon account opening for current Money Market Plus tiers and fees associated with this account.

Christmas Club

These beloved holiday savings accounts are almost extinct in today’s world. Only your local community bank gives you the chance to save for Christmas or other major events while earning interest on deposits.

Coverdell Education

Previously called “Education IRAs,” these CD accounts help you contribute to a child or children’s future educational expenses.


Have Questions? Get In Touch

  • This field is for validation purposes and should be left unchanged.