|Regular Savings||Prime Plus
(Insured Money Market)
|Dream Big Account||Christmas Club Account|
|Minimum Balance to Open|
|Daily Minimum Balance|
|$100||$2,500||No daily minimum balance required||No daily minimum balance required|
|- $3 Per month service charge if balance falls below $100 any day of the statement cycle
- $1 for each debit item in excess of five per month
|- $10 service charge if balance falls
below $2,500 any day of the statement cycle.
|- $5 for each debit item in excess of
3 per quarter
|- Interest paid quarterly||- Interest paid monthly
$2,500 - $24,999
$25,000 - $49,999
$50,000 - $74,999
$75,000 or more
|- Interest paid quarterly||-The Bank will make the 51st payment if all payments have been made as scheduled.”|
|- Service charge waived for
children under 18 years of age
- Quarterly statement issued
|- Monthly statement
- Checks will be stored in check image archive
|- Client must be 22 years or younger
- Account reverts to regular savings
on client's 23rd birthday
|- With 50 weekly consecutive deposits,
F&M Bank & Trust will make the 51 deposit
Be in control of a guaranteed monetary return when you use any of our Certificate of Deposits. We offer competitive rates and a variety of long and short-term CDs to choose from. Stop in and speak with any of our in-house Client Service Representatives.
|Time Certificates of Deposit / IRA's****
Deposit Rates Effective
|11 Month Special||2.27%|
|17 Month Special||2.45%|
|39 Month Special||2.56%|
tied to savings
|**APY - Annual Percentage Yield,
*** The rate may change after the account is opened.
****Penalty for early withdrawals.
Fees could reduce earnings on the account.
$500 minimum balance to open
It’s never too early or too late to begin saving for retirement. The time is perfect for you to speak to a F&M Bank & Trust IRA representatives. F&M IRA Representatives are skilled and dedicated to helping you reach your financial goal. Stop in to speak with any of our in-house Client Service Representatives.