Interest rates listed below are effective October 3, 2018.

Rates are subject to change.

Not all available terms and rates are listed for F&M Trust certificates of deposit and loans. Other rates and terms are available.

For additional product or rate information, please contact the nearest F&M Trust community office at (717) 264-6116 or (888) 264-6116.

Savings Accounts

IRA Savings Account Dollar Range Annual Percentage Yield
Tier 1 $10,000+ 1.95%
Tier 2 $500-9999.99 1.59%
Tier 3 $1-499.99 0.15%

Checking Accounts

Checking Plus Dollar Range Annual Percentage Yield
Tier 1 $5000 0.15%
Tier 2 $1000-4999.99 0.10%

Money Management Accounts

Money Management Account Dollar Range Annual Percentage Yield
Tier 1 $500,000+ 0.75%
Tier 2 $250,000-499,999.99 0.65%
Tier 3 $100,000-249,999.99 0.60%
Tier 4 $50,000-99,999.99 0.50%
Tier 5 $25,000-49,999.99 0.45%
Tier 6 $2,500-24,999.99 0.30%

Account Disclosures - Truth in Savings (Reg DD) and Terms & Conditions

Certificates of Deposit

CDs* Dollar Range Annual Percentage Yield
24-month CD $5000-24,999.99 0.80%
24-month CD $25,000-99,999.99 0.90%
36-month CD $1000-4999.99 0.65%
36-month CD $5000-24,999.99 1.00%
36-month CD $25,000-99,999.99 1.05%

* Certain new money restrictions apply.

Loans

Auto Loans Annual Percentage Rate
4 year Auto Loan As low as 6.98%
5 year Auto Loan As low as 7.02%
6 year Auto Loan As low as 7.05%
Home Equity Loans Annual Percentage Rate
5 year Fixed Rate As low as 5.06%
10 year Fixed Rate As low as 5.15%
15 year Fixed Rate As low as 5.35%
Home Equity Lines of Credit Annual Percentage Rate
Home Equity Select As low as 5.25%
Personal Line of Credit Annual Percentage Rate
Personal Line of Credit As low as 12.25%

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