Current Interest Rates

Interest rates listed below are effective April 13, 2016.
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 toll free at 888-264-6116.

Savings Accounts

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

Checking Accounts

Checking Plus Dollar Range Annual Percentage Yield
Tier 1 $5000 0.10%
Tier 2 $1000-4999.99 0.05%
     
Relationship Checking    
Tier 1 $100,000+ 0.25%
Tier 2 $50,000-99,999.99 0.15%
Tier 3 $25,000-49,999.99 0.15%
Tier 4 $5000-24,999.99 0.10%
Tier 5 $1000-4999.99 0.05%

Money Management Accounts

Money Management Account Dollar Range Annual Percentage Yield
Tier 1 $250,000 0.40%
Tier 2 $100,000-249,999.99 0.35%
Tier 3 $50,000-99,999.99 0.30%
Tier 4 $25,000-49,999.99 0.25%
Tier 5 $2500-24,999.99 0.15%

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 0.35%
24-month CD $25,000-99,999.99 0.40%
36-month CD $1000-4999.99 0.35%
36-month CD $5000-24,999.99 0.55%
36-month CD $25,000-99,999.99 0.60%

* Certain new money restrictions apply.


Loans

Auto Loans   Annual Percentage Rate
4 year Auto Loan As low as: 5.50%
5 year Auto Loan As low as: 5.60%
6 year Auto Loan As low as: 5.70%
     
Home Equity Loans    
5 year Fixed Rate As low as: 3.20%
10 year Fixed Rate As low as: 3.50%
15 year Fixed Rate As low as: 3.80%
     
Home Equity Lines of Credit    
Home Equity Select As low as: 3.75%
     
Personal Line of Credit As low as: 10.50%


Interest rates on variable deposit accounts may change after the account is opened. Fees may reduce earnings. Certificates of Deposit have a substantial penalty imposed for early withdrawal.

   Member FDIC