Current Interest Rates
Interest rates listed below are effective October 22, 2025.
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 (888) 264-6116.
Savings Accounts
| IRA Savings Account | Dollar Range | Annual Percentage Yield |
|---|---|---|
| Tier 1 | $10,000+ | 0.05% |
| Tier 2 | $500-9999.99 | 0.05% |
| Tier 3 | $1-499.99 | 0.05% |
Checking Accounts
| YourWay Premier | Dollar Range | Annual Percentage Yield |
|---|---|---|
| Tier 1 | $5000+ | 0.05% |
| Tier 2 | $2500-4999.99 | 0.05% |
Money Management Accounts
| Money Management Account | Dollar Range | Annual Percentage Yield |
|---|---|---|
| Tier 1 | $500,000+ | 1.25% |
| Tier 2 | $250,000-499,999.99 | 1.00% |
| Tier 3 | $100,000-249,999.99 | 1.00% |
| Tier 4 | $50,000-99,999.99 | 0.60% |
| Tier 5 | $25,000-49,999.99 | 0.35% |
| Tier 6 | $2,500-24,999.99 | 0.10% |
|
Account Disclosures - Truth in Savings(Reg DD) and Terms & Conditions |
||
Certificates of Deposit
| CDs* | Dollar Range | Annual Percentage Yield |
|---|---|---|
| 24-month CD | $5,000-24,999.99 | 2.60% |
| 24-month CD | $25,000-99,999.99 | 2.65% |
| 36-month CD | $1,000-4999.99 | 2.85% |
| 36-month CD | $5,000-24,999.99 | 2.85% |
| 36-month CD | $25,000-99,999.99 | 2.90% |
| 60-month CD | $1,000-24,999.99 | 3.00% |
|
* Certain new money restrictions apply. |
||
Loans
| Auto Loans | Annual Percentage Rate |
|---|---|
| 4 year Auto Loan | As low as 6.89% |
| 5 year Auto Loan | As low as 6.74% |
| 6 year Auto Loan | As low as 6.99% |
| FlexLOC Lock-In | Annual Percentage Rate |
|---|---|
| 5 year Fixed Rate | As low as 6.35% |
| 10 year Fixed Rate | As low as 6.80% |
| 15 year Fixed Rate | As low as 7.00% |
| Home Equity Line of Credit | Annual Percentage Rate |
|---|---|
| FlexLOC 12-month Intro Rate | As low as 5.75% |
| FlexLOC Regular Rate | As low as 6.75% |
| * Intro Rate available for new borrowers only. |
| Personal Line of Credit | Annual Percentage Rate |
|---|---|
| Personal Line of Credit | As low as 11.75% |
NOTICE: YOU ARE LEAVING F&M TRUST!
You are now leaving the F&M Trust website. Links to third-party sites are provided for your convenience. Such sites are not within our control and may not follow the same privacy, security or accessibility standards as ours. F&M Trust neither endorses nor guarantees offerings of the third-party providers, nor is F&M Trust responsible for the security, content or availability of third-party sites, their partners or advertisers.