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Certificates of Deposit

If you want a guaranteed return on your investment, check into an F&M Bank Certificate of Deposit. CDs range from 90 days to five years, depending on the term and interest rate you desire. Contact any F&M Bank office for information on current and special CD interest rates.

  • Minimum Investment – $1,000
  • Interest Rates – Interest rates vary according to investment amount and term Click here for Interest rates
  • Access To Interest Earnings – Receive your interest by check (monthly, quarterly, semi-annually or annually) or by Direct Deposit into an F&M Bank checking or savings account
  • Automatic Renewal – Renewal options sent by mail allow you to renew your CD at the new interest rate without a trip to the bank
  • Service Charge – A penalty may be imposed for early withdrawals Click here for fees

Ask us about our CDARS program, that allows us to offer FDIC insurance on CDs up to $50 million