couple in front of house


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

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. Click the 'Apply Now' button below to begin the process!

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.