Savings, CDs & IRAs

  • Premier Savings

    Premier Savings

    Powerful savings with a tiered rate structure that earns more as your balance grows. Plus get free online, phone, and mobile banking.

  • Platinum Money Market

    Platinum Money Market

    Our competitive monthly interest and tiered structure rewards your higher balance with higher earnings. And you get six monthly withdrawals, free.

  • Certificates of Deposit (CDs)

    Certificates of Deposit (CDs)

    Safely store away your assets while they earn higher interest than with regular savings. A variety of terms available to help you reach your goal.



    Consolidate your CD investments and protect your assets with multi-million dollar FDIC insurance coverage. Let F&M Bank be your point of contact.

  • Individual Retirement Accounts (IRAs)

    Individual Retirement Accounts (IRAs)

    Save for your ideal retirement with the help of an F&M Bank IRA. Maximize your interest with a Traditional, Roth, or Money Market IRA.