Certificate of Deposit

F&M Bank offers competitive rates on our Certificate of Deposit Accounts varying in terms from 7 days to 5 years with a minimum deposit of $1,000.00 to open the account. Interest can be paid monthly (except on 6 month or less maturity), quarterly, semi-annually or yearly. Please see our Rate schedule for Annual Percentage Yields (APY).

Individual Retirement Account

F&M Bank's Individual Retirement Account allows you to shelter current earned income from taxes while providing substantial savings for your retirement years. Interest rates may fluctuate periodically according to market conditions.