Personal Banking Savings Accounts

Savings Accounts

Select A Savings Account To Suit Your Needs! A sure way to secure your financial future is by SAVING today! There's nothing more rewarding than watching your MONEY GROW ... simply because you made a SMART CHOICE. Whether your savings mission is for a not so far off purchase or for a comfortable retirement ... your money is safe because it's FDIC insured for up to $250,000.

Choice Money Market

This is a smart investment choice if you want to earn aggressively tiered market interest rates, but maintain total access to you money!

Smart Savings

Whether you are putting aside money for a rainy day or a major purchase down the road, this account will help you develop good savings habits while earning interest on your money

Youth Savings

The key to building good savings habits is to start young. F&M Bank offers this NO FEE savings account for persons under 21 years of age.

HSA – Health Savings Account

Health Savings Accounts (HSAs) offer flexible way to pay for personal health care expenses, co-pays and deductibles. To qualify, you must be covered by a high-deductible health plan (HDHP). HSAs let you save for current and future health care expenses on a tax-free basis. You control the money in your HSA and make decisions on how and when to spend the money.

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