We understand that every borrower is different, which is why we tailor a variety of products to meet your individual needs. Whether you are buying a home, building an addition or just looking to consolidate your debt, our lenders are trained to make the process of getting a loan as simple as possible. Look to F&M Bank to finance your next major purchase.

Real Estate Loans

Home mortgages


Whether you're buying, building or refinancing a first home, second home or income property F&M Bank’s knowledgeable team of mortgage lenders is here to assist you during the mortgage loan process.  From the time of application to finding the right loan program to the loan closing, we will be with you every step of the way.

Construction loan

Building a new home can be an overwhelming adventure. Our lenders can help you stay on budget through the construction process while offering competitive rates with same day fund availability.

Home equity

We have loans or lines of credit, depending on your needs. Flexible term options will help you set a monthly payment that fits into your budget.

Other Personal Loans

Auto loans

Whether you are looking for a new car or used car F&M Bank has a loan that will fit your needs, at competitive rates and with flexible repayment terms. F&M Bank offers a wide selection of personal consumer loans.

Credit card

F&M Bank offers a Visa Platinum Credit Card that gives you security and peace of mind to know that you do not need to carry a lot of cash with you and that you have zero liability for unauthorized transactions.

  • Our Visa® Platinum Credit Card Offers Great Benefits!
  • Competitive Rates*
  • Reward points for merchandise and travel - Visit for details!
  • Tickets good on any airline with no blackout dates
  • Chip Card Security
  • Fraud Monitoring and Zero Fraud Liability
  • Travel Accident Insurance
  • Personal service from people you know

To learn more about F&M Bank's Visa Platinum Credit Card please contact your local branch. Credit cards are subject to credit approval. Cards are issued by TCM Bank, N.A.

ScoreCard Rewards

Your credit card charges turn into points redeemable for incredible merchandise, recreation, and travel rewards. You will earn one point for every net dollar you spend.  The more you use your card, the more you can reward yourself!


Travel Accident Insurance

Coverage applies when the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Restrictions to coverage may apply.

Auto Rental Collision Damage Waiver

To activate coverage, complete the entire rental transaction with your card and decline the collision damage waiver coverage if offered by the rental company.


Restrictions apply if you have personal automobile insurance covering this theft or damage.

Redeem your points online at For general Customer Service on cards issued through F&M Bank, call 1-800-883-0131.