|
Account RatesEffective 9/23/2024 Annual Percentage Yields are accurate as of 9/23/2024 CD Specials
Visit your local branch to open your CD today! *New or Renewal Money. Early withdrawal will result in a 90-day interest penalty. CDS/IRAS
* Substantial Penalty For Early Withdrawal |
IRA Plus
* APY = Annual Percentage Yield. Interest rate is variable and may change after the account is opened. |
Checking50+ Interest Checking
VIP Interest Checking
Interest earned on total balance. At our discretion, we may change the balance tier on your account at any time. A 30-day notice will be provided for these changes. *APY = Annual Percentage Yield Interest rate is variable and may change after the account is opened. Fees may reduce earnings. VIP Platinum Interest Checking
Interest earned on total balance. At our discretion, we may change the balance tier on your account at any time. A 30-day notice will be provided for these changes. *APY = Annual Percentage Yield Interest rate is variable and may change after the account is opened. Fees may reduce earnings. Performance Checking
Performance Checking: To be eligible for a Performance Checking account you must receive monthly electronic statements. If you decide to opt-out of electronic statements, you will no longer be eligible for this product. This account is only available to consumers, limit (2) per household. To open the account, you must deposit a minimum of $250.00. No monthly service charges apply.
|
Balance |
Compounds |
Interest Rate |
APY* |
Service Charge |
---|---|---|---|---|
$0 - $2,499.99 |
Monthly |
0.10% |
0.10% |
$8.00 if balance falls below $2,500 |
$2,500.00 - $24,999.99 |
Monthly |
0.25% |
0.25% |
N/A |
$25,000+ |
Monthly |
0.50% |
0.50% |
N/A |
Choice Business Interest Checking
Balance |
Compounds |
Interest Rate |
APY* |
Service Charge |
---|---|---|---|---|
$0 - $2,499.99 |
Monthly |
0.50% |
0.50% |
$8.00 if balance falls below $2,500 |
$2,500.00+ |
Monthly |
0.50% |
0.50% |
N/A |
*APY = Annual Percentage Yield. Tiered interest - Interest earned on total balance. Interest rate is variable and may change after the account is opened. Earnings are credited monthly. Fees may reduce earnings.
Money MarketPerformance Money Market
*APY = Annual Percentage Yield. Interest rate is variable and may change after the account is opened. Fees may reduce earnings. Performance MMA available to residents in F&M Bank’s TN & KY markets. IntraFi | ICS MMDA
*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. |
SavingsSmart Savings (Consumer & Business)
*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
*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. Health Savings Account
*APY = Annual Percentage Yield. Interest rate is variable and may change after the account is opened. Fees may reduce earnings. Account pays interest on all balances. By law, account requires a high deductible health insurance account. Unlimited withdrawals for qualified medical expenses. Minimum $50 opening balance. |