Account Rates
F&M, a Lawrence Bank provides many different account options so you can invest your money how works best for you and have access to it when needed. Take a look at these account options for our current rates.
Effective 04/24/2026
Annual Percentage Yields are accurate as of 04/24/2026
CD Specials
Term | Minimum Deposit | Compounds | Interest Rate | APY* |
|---|---|---|---|---|
| 11 Months** | $1,000.00 | Quarterly | 3.85% | 3.91% |
| 15 Months*** | $1,000.00 | Quarterly | 3.70% | 3.75% |
Visit your local branch to open your CD today!
*APY = Annual Percentage Yield
**New Money Only. No Step-up. Early withdrawal will result in a 90-day interest penalty.
***New or Renewal Money. No Step-up. Early withdrawal will result in a 90-day interest penalty.
CDs/IRAs
Term | Minimum Deposit* | Compounds | Interest Rate | APY** |
|---|---|---|---|---|
3 Months | $1,000.00 | Quarterly | 3.25% | 3.25% |
6 Months | $1,000.00 | Quarterly | 3.21% | 3.25% |
9 Months | $1,000.00 | Quarterly | 2.97% | 3.00% |
12 Months*** | $1,000.00 | Quarterly | 2.97% | 3.00% |
14 Months*** | $1,000.00 | Quarterly | 2.97% | 3.00% |
18 Months*** | $1,000.00 | Quarterly | 2.97% | 3.00% |
24 Months*** | $1,000.00 | Quarterly | 2.72% | 2.75% |
36 Months*** | $1,000.00 | Quarterly | 2.48% | 2.50% |
48 Months*** | $1,000.00 | Quarterly | 2.48% | 2.50% |
60 Months | $1,000.00 | Quarterly | 2.48% | 2.50% |
* Substantial Penalty For Early Withdrawal
** APY = Annual Percentage Yield
*** One Step Up available to a higher board rate of the same term after 6 months. One withdrawal of up to 50% of the principal balance after 6 months, penalty free. Call for details.
IRA Plus
Balance | Compounds | Interest Rate | APY* |
|---|---|---|---|
$0 - $2,999.99 | Quarterly | 0.25% | 0.25% |
$3,000.00 - $9,999.99 | Quarterly | 0.25% | 0.25% |
$10,000.00 - $24,999.99 | Quarterly | 0.75% | 0.75% |
$25,000.00 - $49,999.99 | Quarterly | 0.99% | 1.00% |
$50,000.00 - $99,999.99 | Quarterly | 1.49% | 1.50% |
$100,000.00+ | Quarterly | 1.98% | 2.00% |
* APY = Annual Percentage Yield. Interest rate is variable and may change after the account is opened.
Checking
50+ Interest Checking
Balance | Compounds | Interest Rate | APY* | Service Charge |
|---|---|---|---|---|
$0+ | Monthly | 0.25% | 0.25% | N/A |
*APY = Annual Percentage Yield Interest rate is variable and may change after the account is opened. Fees may reduce earnings.
Money Market
IntraFi | ICS MMDA
Balance | Compounds | Interest Rate | APY* | Service Charge |
|---|---|---|---|---|
$500,000.00 + | Monthly | 2.47% | 2.50% | N/A |
*APY = Annual Percentage Yield. The stated APY is not tied to any rate index. Interest rate is variable and may change after the account is opened.
Savings
Smart Savings (Consumer & Business)
Balance | Compounds | Interest Rate | APY* | Service Charge |
|---|---|---|---|---|
$0+ | Quarterly | 0.25% | 0.25% | $2 for each withdrawal/transfer over 6 per month |
*APY = Annual Percentage Yield. Interest rate is variable and may change after the account is opened. Interest rate is paid for balances over $1.00. There is a charge of $2.00 per withdrawal/transfer in excess of 6 per month. Fees may reduce earnings.
Youth Savings
Balance | Compounds | Interest Rate | APY* | Service Charge |
|---|---|---|---|---|
$0+ | Quarterly | 0.25% | 0.25% | $2 for each withdrawal/transfer over 6 per month. |
*APY = Annual Percentage Yield. Youth Savings for under age 20. Account pays interest on all balances. Interest rate is variable and may change after the account is opened. Fees may reduce earnings.