Current Interest Rates
Interest rates listed below are effective May 22, 2013.
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 |
0.45% |
| 36-month CD |
$1000-4999.99 |
0.35% |
| 36-month CD |
$5000-24,999.99 |
0.50% |
| 36-month CD |
$25,000-99,999.99 |
0.55% |
* Certain new money restrictions apply.
Loans
| Auto Loans |
|
Annual Percentage Rate |
| 4 year Auto Loan |
As low as: |
5.00% |
| 5 year Auto Loan |
As low as: |
5.20% |
| 6 year Auto Loan |
As low as: |
5.30% |
| |
|
|
| Personal Loans |
|
|
| Unsecured 5 year Loan |
As low as: |
10.25% |
| |
|
|
| Home Equity Loans |
|
|
| 5 year Fixed Rate |
As low as: |
3.80% |
| 10 year Fixed Rate |
As low as: |
4.40% |
| 15 year Fixed Rate |
As low as: |
5.20% |
| |
|
|
| Home Equity Lines of Credit |
|
|
| Home Equity Select |
As low as: |
5.00% |
| |
|
|
| Personal Line of Credit |
As low as: |
10.25% |
**Subject to minimum new borrowing.
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