Interest rates listed below are effective February 1, 2012. 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. Please contact the nearest F&M Trust community office, call 264-6116 or toll free 888-264-6116.
| CHECKING |
|
Checking Plus
|
Dollar Range
|
APY
|
|
Tier 1
|
$5000
|
0.10%
|
|
Tier 2
|
$1000 - 4999.99
|
0.05%
|
|
Relationship Checking
|
|
|
|
Tier 1
|
$100,000
|
0.30%
|
|
Tier 2
|
$50,000 - 99,999.99
|
0.20%
|
|
Tier 3
|
$25,000 - 49,999.99
|
0.15%
|
|
Tier 4
|
$5000 - 24,999.99
|
0.10%
|
|
Tier 5
|
$1000 - 4999.99
|
0.05%
|
|
| CERTIFICATES OF DEPOSIT |
|
CDs
|
Dollar Range
|
APY
|
|
24-month CD
|
$5000 - 24,999.99
|
0.65%
|
|
24-month CD
|
$25,000 - 99,999.99
|
0.75%
|
|
36-month CD
|
$1000 - 4999.99
|
0.35% |
|
36-month CD
|
$5000 - 24,999.99
|
0.80%
|
|
36-month CD
|
$25,000 - 99,999.99
|
0.85%
|
|
* Certain new money restrictions apply.
| SAVINGS ACCOUNTS |
|
IRA Savings Account
|
Dollar Range
|
APY
|
|
Tier 1
|
$10,000
|
0.15%
|
|
Tier 2
|
$500 - 9999.99
|
0.15%
|
|
Tier 3
|
$1 - 499.99
|
0.15%
|
|
| MONEY MANAGEMENT ACCOUNTS |
|
Money Management Acct
|
Dollar Range
|
APY
|
|
Tier 1
|
$250,000
|
0.60%
|
|
Tier 2
|
$100,000 - 249,999
|
0.55%
|
|
Tier 3
|
$50,000 - 99,999
|
0.45%
|
|
Tier 4
|
$25,000 - 49,999
|
0.35%
|
|
Tier 5
|
$2500 - 24,999
|
0.25%
|
|
Account Disclosures - Truth In Savings (Reg DD) and Terms & Conditions
| LOANS |
|
Auto Loans
|
Dollar Range
|
APY
|
|
4 year Auto Loan
|
As low as:
|
6.15%
|
|
5 year Auto Loan
|
As low as:
|
6.25%
|
|
6 year Auto Loan
|
As low as:
|
6.35%
|
|
Personal Loans
|
|
|
|
Unsecured 5 year Loan
|
As low as:
|
8.00%
|
|
Home Equity Loans
|
|
|
|
5 year Fixed Rate
|
As low as:
|
6.25%
|
|
10 year Fixed Rate
|
As low as:
|
6.45%
|
|
15 year Fixed Rate
|
As low as:
|
6.60%
|
|
Home Equity Lines of Credit
|
|
|
|
Home Equity Select
|
As low as:
|
5.00%
|
|
Personal Line of Credit
|
|
|
|
Personal Line of Credit
|
$2,500 - 25,000
|
8.25%
|
|
** Subject to minimum new borrowings.
Interest rates on variable rate deposit accounts may change after the account is opened. Fees may reduce earnings. Certificates of Deposit have a penalty imposed for early withdrawal.
Member FDIC