Interest rates listed below are effective July 26, 2023.

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+ 0.15%
Tier 2 $500-9999.99 0.15%
Tier 3 $1-499.99 0.15%

Checking Accounts

YourWay Premier Dollar Range Annual Percentage Yield
Tier 1 $5000+ 0.05%
Tier 2 $1500-4999.99 0.05%

Money Management Accounts

Money Management Account Dollar Range Annual Percentage Yield
Tier 1 $500,000+ 2.12%
Tier 2 $250,000-499,999.99 1.97%
Tier 3 $100,000-249,999.99 1.81%
Tier 4 $50,000-99,999.99 1.76%
Tier 5 $25,000-49,999.99 1.41%
Tier 6 $2,500-24,999.99 1.36%

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 $1,000-250,000+ 3.85%

* Certain new money restrictions apply.

Loans

Auto Loans Annual Percentage Rate
4 year Auto Loan As low as 7.10%
5 year Auto Loan As low as 6.99%
6 year Auto Loan As low as 7.05%
Home Equity Loans Annual Percentage Rate
5 year Fixed Rate As low as 5.65%
10 year Fixed Rate As low as 5.99%
15 year Fixed Rate As low as 6.35%
Lines of Credit Annual Percentage Rate
FlexLOC 12-month Intro Rate  5.50%
Personal Line of Credit Annual Percentage Rate
Personal Line of Credit As low as 15.50%

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