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PERSONAL BANKING >> SAVINGS, CDs, IRAs, MONEY MARKET

Savings Account 
Whether you're saving for a new home, a child's education, or retirement, we can help your money grow.  F&M Bank has a solution to help ensure the money will be there when you need it.  Our savings account offers the availability of funds while earning a competitive interest rate. 
 
 
Certificate of Deposit   
F&M Bank offers a wide variety of Certificates of Deposit.  We can help you choose which maturity term and interest rate fits your needs best.  Certificates of Deposit are an investment providing you with a higher fixed interest rate than a daily savings account and the assurance that each dollar you invest will be returned at maturity, plus interest!  All of F&M Bank’s CD’s are automatically renewable for your convenience.  We can have your interest compounded, paid by check or deposited into another F&M Bank account of your choice.  Contact us to discuss your options at any time! 
 
 
Treasury Money Market** 
  • A savings account that offers competitive interest rates with the convenience of check writing
  • Service charges are avoided with a minimum average daily balance of $2,500
  • Interest is compounded and credited monthly with a minimum balance of $2,500
  • An unlimited amount of over the counter transactions are allowed on this account
  • Transfers, automatic withdrawals, and telephone transfers are limited to six per month, three of which may be by check
  • Free access to your account online with Internet Banking
  • **Variable Rate Account:  The rate may change after account is opened 


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