F&M Trust: Investing - Using Your Excess Cash

Investing – Using Your Excess Cash

Put your organization's excess cash to use - and earn money. Choose from these savings and investment services from F&M Trust to support you:

Savings Accounts

Savings accounts earn interest on your accessible funds and offer:

Interest is earned on all balances
Low minimum balance of $250 required to avoid monthly service charge
Interest is compounded monthly and credited quarterly

Money Management Accounts

Earns a higher interest rate on your company's liquid funds, these accounts provide:

Limited accessibility to your funds
Earns a market rate of interest based on 91-day T-bill auction rate
Four interest rate tiers - The larger the balance you have, the higher the interest rate
Minimum balance of $2500 to earn interest
Minimum balance of $1000 to avoid the monthly service charge

Repurchase Accounts¹

Available only to Cash Management Accounts, this account features:

Funds in this account are tiered indexed to the Fed Funds rate and based upon the balance
Minimum balance of $5000 required to activate the sweep feature
Only collected funds are available for sweep
Customers receive an advice each time a sweep of funds occurs

Non-Traditional Investments¹

Through The Personal Investment Center and our Investment & Trust services department, we can offer non-FDIC insured investment products and services that include:

Corporate Investment Services - Our Investment & Trust services department can manage your company's investment portfolio. We handle the routine administration and paperwork so that you're free to focus on your business.
Annuities
Mutual Funds
Stocks and Bonds

Certificates of Deposit

Earn a fixed rate of interest on your money by investing in our FDIC-insured Certificates of Deposit. CDs offer maturities that range from 30 days to 5 years with a minimum $1000 deposit. Jumbo CD rates available for investments of $100,000 and more.

Please check our rates page for current interest rates.

If you are interested in more information on one of these services, click here to contact us.

¹ Repurchase Accounts and non-traditional investments are not deposits of F&M Trust, not insured by the Federal Deposit Insurance Corporation (FDIC) or other Federal government agency, not guaranteed by F&M Trust, and may lose value.

Member FDIC

    Managing Your Money
    Borrowing Solutions
    Investing Excess Cash