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Freedom Card

Lines of Credit

F&M Trust offers a number of lines of credit to meet your borrowing needs as they arise. Lines of credit allow you to apply once and then you can borrow just the amount of money that you need up to a specified limit, any time, for any reason. You pay interest only on the amount that you borrow. For the appropriate borrowing solutions to your individual needs, you can choose from the following lines of credit:

Home Equity Line of Credit

F&M Trust's Home Equity Line of Credit is a preferred line of credit that allows you to borrow money against the equity in your home. In addition, Home Equity Line of Credit features:

  • No annual fee
  • May offer tax advantages - interest paid is generally tax deductible on your federal tax return; please check with your tax advisor
  • Home Equity Line of Credit checks at no charge
  • Line amounts from $5000 to $100,000
  • Variable interest rate indexed to Prime
  • Can serve as Overdraft Protection
  • Accessibility by check, transferring money to your checking account using the Freedom Access Center, online banking or mobile banking, or through your checking account with your Freedom Card.
  • Rate discounts to Relationship Checking Account customers

Personal Line of Credit

With F&M Trust's Personal Line of Credit you may never have to apply for a small loan again. Anytime you need money, just write yourself a loan by using your Personal Line of Credit checks. This account also offers:

  • No annual fee
  • Personal Line of Credit checks at no charge
  • Line amounts from $2500 to $25,000
  • Accessibility by check, transferring money to your checking account using the Freedom Access Center, online banking or mobile banking, or through your checking account with your Freedom Card
  • Can serve as Overdraft Protection
  • Rate discounts to Relationship Checking Account customers    

Credit Cards

F&M Trust offers VISA credit cards with a variety of features and options for you to choose from - making it easy to select and apply for the card that best meets your needs.  Our cards feature:

  • Competitive pricing
  • A full range of reward options
  • Online Access

           



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