Savings & CDs

  • Small Business Savings

    Small Business Savings

    Earn competitive interest and make up to six penalty-free monthly withdrawals. Plus, enjoy conveniences like online and telephone banking.

  • Small Business Money Market

    Small Business Money Market

    Earn variable interest rates while keeping your funds safe. Plus, enjoy conveniences like online and telephone banking, e-Statements, and more.

  • Premier Commercial Money Market

    Premier Commercial Money Market

    Our tiered structure and great returns reward your higher balance with higher earnings. And you get six monthly withdrawals, free of charge.

  • Certificates of Deposit (CDs)

    Certificates of Deposit (CDs)

    Safely store away your assets and maximize your interest with fixed rates. A variety of terms are available to help you reach your goal.

  • CDARS

    CDARS

    Consolidate your business investments and get multi-million dollar FDIC insurance. F&M Bank can help you make the most of your money.

  • Insured Cash Sweeps (ICS)

    Insured Cash Sweeps (ICS)

    Coordinate your money market deposit accounts from one single place you already trust — F&M Bank. Plus, get up to $50 million in FDIC insurance.