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Freedom Card

Current Interest Rates

Interest rates listed below are effective April 9, 2014.
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 0.45%
36-month CD $25,000-99,999.99 0.50%

* Certain new money restrictions apply.


Loans

Auto Loans*   Annual Percentage Rate
4 year Auto Loan As low as: 4.70%
5 year Auto Loan As low as: 4.90%
6 year Auto Loan As low as: 5.20%
     
Home Equity Loans*    
5 year Fixed Rate As low as: 3.40%
10 year Fixed Rate As low as: 4.40%
15 year Fixed Rate As low as: 5.30%
     
Home Equity Lines of Credit    
Home Equity Select As low as: 5.00%
     
Personal Line of Credit As low as: 9.75%

*APR includes discounts for automatic payment and certain account discounts.

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