| F&M Product | Min Balance to Obtain APY | Interest Rate | APY |
|---|---|---|---|
| Hometown Advantage** |
$0-25,000 | 1.20% | 1.20% |
| $25,000.01 |
0.10% |
0.10% |
|
| Now* | $1,000 | 0.05% | 0.05% |
| 50 Club* | $1,000 | 0.05% | 0.05% |
| Personal Savings* | $5.00 | 0.10% | 0.10% |
| Christmas Club*** | $5.00 | 0.30% | 0.30% |
| Vacation Club*** | $5.00 | 0.25% | 0.25% |
| Money Market* | Under $25,000 | 0.50% | 0.50% |
| $25,000-$99,999.99 | 0.75% | 0.75% | |
| $100,000 and up | 1.00% | 1.00% | |
| Health Savings Account | 0-$999.99 | 0.05% | 0.05% |
| $1,000-$4,999.99 | 0.10% | 0.10% | |
| $5,000-$14,999.99 | 0.15% | 0.15% | |
| $15,000 and up | 0.20% | 0.20% |
**1.20% Annual Percentage Yield (APY) paid on balances between one penny and $25,000, and 0.10% 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.
| F&M Product | Min Balance to obtain APY | Interest Rate | APY |
|---|---|---|---|
| 91 Day CD | $1000.00 | 0.10% | 0.10% |
| *4 Month CD Special* | $1000.00 | 0.55% | 0.55% |
| 182 Day CD | $1000.00 | 0.15% | 0.15% |
| 9 Month CD | $1000.00 | 0.18% | 0.18% |
| 12 Month CD | $1000.00 | 0.30% | 0.30% |
| *13 Month CD Special* | $1000.00 | 1.44% | 1.45% |
| 15 Month CD | $1000.00 | 0.32% | 0.32% |
| 18 Month CD | $1000.00 | 0.35% | 0.35% |
| *19 Month CD Special* | $1000.00 | 1.74% | 1.75% |
| 21 Month CD | $1000.00 | 0.30% | 0.30% |
| 24 Month CD | $1000.00 | 0.45% | 0.45% |
| 30 Month CD | $1000.00 | 0.50% | 0.50% |
| 36 Month CD | $1000.00 | 0.75% | 0.75% |
|
37 Month CD
|
$1000.00 | 1.09% | 1.10% |
| 48 Month CD | $1000.00 | 1.14% | 1.15% |
| *59 Month CD Special* | $1000.00 | 2.37% | 2.40% |
| 60 Month CD | $1000.00 | 1.39% | 1.40% |
| **37 Month Your Option CD Special** | $1000.00 | 1.83% | 1.85% |
| F&M Product | Min Balance to Obtain APY | Interest Rate | APY |
|---|---|---|---|
| 12 Month IRA | $25.00 | 0.30% | 0.30% |
| 15 Month IRA | $25.00 | 0.32% | 0.32% |
| 18 Month IRA | $25.00 | 0.35% | 0.35% |
| 24 Month IRA | $25.00 | 0.45% | 0.45% |
| 30 Month IRA | $25.00 | 0.50% | 0.50% |
| 36 Month IRA | $25.00 | 0.75% | 0.75% |
| 48 Month IRA | $25.00 | 1.14% | 1.14% |
| 60 Month IRA | $25.00 | 1.39% | 1.40% |