Personal Banking Savings - Smart Choice Selector

I Want to Save For The Moment!

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Make the Smart Choice for the Savings Product that is right for you! Get started with F&M Banks Smart Choice Selector by clicking any button below.

SCS Family Bank

Personal Savings

Education

How I Prefer to Save ...

A Little Every Month

When I Get Around To It

For A Young Person's Future

Personal Savings

Vacation/Special Purpose

How I Prefer to Save ...

A Little Every Month

Higher Rates - Good Access

Personal Savings

Debt-Free Living

How I Prefer to Save ...

A Little Every Month

Higher Rates - Good Access

Predictable Rate & Term

Personal Savings

Home Down Payment

How I Prefer to Save ...

A Little Every Month

Higher Rates - Good Access

Predictable Rate & Term

Personal Savings

Medical Expenses

How I Prefer to Save ...

A Cure for Medical Co-Pays

Higher Rates - Good Access

Personal Savings

SCS Easy Save

Your Smart Choice

Easy Save Account

  • Build your balance in no time
  • Automatically transfer $50 or more each month
  • Earn a Great Rate!

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Personal Savings

SCS Regular Savings


Your Smart Choice

Regular Savings

  • Add funds at your own pace
  • No Fee with $500 min. balance
  • No Fee if you are at least 50 years of age
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Personal Savings

SCS Youth Savings


Your Smart Choice

Youth Savings

  • No Fee
  • Only $50 to open account
  • Withdraw funds at bank or via ATM
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Personal Savings

SCS Choice Money Market


Your Smart Choice

Choice Money Market

  • The More You Save, The More You Earn (with 6 rate tiers!)
  • 24/7 access to your funds
  • Add deposits at any time
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Personal Savings

SCS CDs


Your Smart Choice

Certificates of Deposit

  • Min. Deposit — $1,000
  • Ongoing access to interest earnings
  • Guaranteed interest rate
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Personal Savings

SCS IRA Plus


Your Smart Choice

IRA Plus Account

  • Make deposits at any time in any amount
  • Earn higher rates as balance grows (6 rate tiers!)
  • Great way to get started (only $100)
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Personal Savings

SCS IRA Traditional


Your Smart Choice

Traditional IRA

  • Potentially tax deduction contributions
  • Tax deferred interest earnings
  • Interest compounds and builds faster over time
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Personal Savings

SCS IRA Roth


Your Smart Choice

Roth IRA

  • Tax benefit usually at time of withdrawal instead of time of contribution
  • Fewer withdrawal restrictions than Traditional IRAs
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Personal Savings

SCS SEP


Your Smart Choice

SEP - Simplified Employee Pension

  • Contribution limits may be higher than other IRAs
  • Eligible employees can participate
  • Easier to manage than 401(k) plans
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Personal Savings

SCS HSA


Your Smart Choice

HSA - Health Savings Account

  • For Individuals with high-deductible heath insurance plans
  • Contributions are generally tax deductible
  • Interest earnings are usually tax free
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