Personal Rates

Personal Deposit Rates

 
F&M Product Min Balance to Obtain APY Interest Rate APY
Hometown Advantage**
$0-25,000
$25,000.01 and up
0.25%
0.01%
0.25%
0.01%
Now* $1,000 0.10% 0.10%
50 Club* $1,000 0.10% 0.10%
Personal Savings* $5.00 0.15% 0.15%
Christmas Club*** $5.00 0.30% 0.30%
Vacation Club*** $5.00 0.30% 0.30%
Money Market*
Under $25,000
$100,000 and up
0.20%
0.50%
0.20%
0.50%
Health Savings Account
$0 - $999.99
$1,000 - $4,999.99
$5,000 - $14,999.99
$15,000 and up
0.03%
0.03%
0.05%
0.07%
0.03%
0.03%
0.05%
0.07%
 
**0.25% Annual Percentage Yield (APY)  paid on balances between one penny and $25,000, and 0.01% APY paid on all amounts above $25,000 each cycle. We may change the interest rate and APY at any time after the account is opened. Available to personal accounts only. 

*Rates may change after account is open. Fees could reduce earnings on the account.

*** Penalty fee for early withdrawal.
Fees could reduce earnings. 
 

Certificate of Deposit

 
F&M Product Min Balance to obtain APY Interest Rate APY
91 Day CD $1,000.00 0.75%
0.75%
182 Day CD $1,000.00 0.80%
0.80%
7 Month CD Special $1,000.00 4.17% 4.25%
9 Month CD Special $1,000.00 3.93% 4.00%
12 Month CD $1,000.00 0.90% 0.90%
13 Month CD Special $1,000.00 3.69% 3.75%
15 Month CD $1,000.00 0.90% 0.90%
18 Month CD $1,000.00 0.95% 0.95%
21 Month CD $1,000.00 0.95% 0.95%
24 Month CD $1,000.00 1.05% 1.05%
30 Month CD $1,000.00 1.14% 1.15%
36 Month CD $1,000.00 1.34% 1.35%
37 Month CD Special $1,000.00 3.11% 3.15%
48 Month CD $1,000.00 1.49% 1.50%
60 Month CD $1,000.00 1.69% 1.70%
 
Please see a new accounts representative for all applicable fees & terms.  Annual Percentage Yield (APY) as of 4-29-25 & subject to change.  A penalty may be imposed for early withdrawal. Fees & other conditions may reduce earnings on account, please ask for details.  
 

Individual Retirement Account

 
F&M Product Min Balance to Obtain APY Interest Rate APY
18 Month IRA $25.00 2.47% 2.50%
60 Month IRA $25.00 3.20% 3.25%