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Current Interest Rates

Interest rates listed below are effective September 8, 2010. 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

0.15%

Tier 2

$1000 - 4999.99

0.10%

Relationship Checking

 

 

Tier 1

$100,000

0.35%

Tier 2

$50,000 - 99,999.99

0.25%

Tier 3

$25,000 - 49,999.99

0.20%

Tier 4

$5000 - 24,999.99

0.15%

Tier 5

$1000 - 4999.99

0.10%

 

 CERTIFICATES OF DEPOSIT

CDs

Dollar Range

APY

24-month CD

$5000 - 24,999.99

1.20%

24-month CD

$25,000 - 99,999.99

1.25%

36-month CD

$1000 - 4999.99

1.05%

36-month CD

$5000 - 24,999.99

1.65%

36-month CD

$25,000 - 99,999.99

1.70%

 * 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 Account

Dollar Range

APY

Tier 1

$250,000

1.10%

Tier 2

$100,000 - 249,999

1.05%

Tier 3

$50,000 - 99,999

0.90%

Tier 4

$25,000 - 49,999

0.70%

Tier 5

$2500 - 24,999

0.45%

 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