| F&M Product | Min Balance to Obtain APY | Interest Rate | APY |
|---|---|---|---|
| Hometown Advantage** |
$0-25,000 | 0.25% | 0.25% |
| $25,000.01 and up |
0.01% |
0.01% |
|
| Now* | $1,000 | 0.10% | 0.10% |
| 50 Club* | $1,000 | 0.10% | 0.10% |
| Personal Savings* | $5.00 | 0.15% | 0.15% |
| Christmas Club*** | $5.00 | 0.30% | 0.30% |
| Vacation Club*** | $5.00 | 0.30% | 0.30% |
| Money Market* | Under $25,000 | 0.20% | 0.20% |
| $25,000-$99,999.99 | 0.35% | 0.35% | |
| $100,000 and up | 0.50% | 0.50% | |
| Health Savings Account | 0-$999.99 | 0.03% | 0.03% |
| $1,000-$4,999.99 | 0.03% | 0.03% | |
| $5,000-$14,999.99 | 0.05% | 0.05% | |
| $15,000 and up | 0.07% | 0.07% |
**0.25% Annual Percentage Yield (APY) paid on balances between one penny and $25,000, and 0.01% APY paid on all amounts above $25,000 each cycle. We may change the interest rate and APY at any time after the account is opened. Available to personal accounts only.
*Rates may change after account is open. Fees could reduce earnings on the account.
*** Penalty fee for early withdrawal.
Fees could reduce earnings.
| F&M Product | Min Balance to obtain APY | Interest Rate | APY |
|---|---|---|---|
| 91 Day CD | $1000.00 | 0.75% | 0.75% |
| 182 Day CD | $1000.00 | 0.80% | 0.80% |
| 7 Month CD Special | $1000.00 | 4.60% | 4.70% |
| 9 Month CD Special | $1000.00 | 4.12% | 4.20% |
| 12 Month CD | $1000.00 | 0.90% | 0.90% |
| 13 Month CD Special | $1,000.00 | 3.78% | 3.85% |
| 15 Month CD | $1000.00 | 0.90% | 0.90% |
| 18 Month CD | $1000.00 | 0.95% | 0.95% |
| 21 Month CD | $1000.00 | 0.95% | 0.95% |
| 24 Month CD | $1000.00 | 1.05% | 1.05% |
| 30 Month CD | $1000.00 | 1.14% | 1.15% |
| 36 Month CD | $1000.00 | 1.34% | 1.35% |
| 37 Month CD Special | $1,000.00 | 3.20% | 3.25% |
| 48 Month CD | $1000.00 | 1.49% | 1.50% |
| 60 Month CD | $1000.00 | 1.69% | 1.70% |
Please see a new accounts representative for all applicable fees & terms. Annual Percentage Yield (APY) as of 10-22-24 & subject to change. A penalty may be imposed for early withdrawal. Fees & other conditions may reduce earnings on account, please ask for details.
| F&M Product | Min Balance to Obtain APY | Interest Rate | APY |
|---|---|---|---|
| 18 Month IRA | $25.00 | 2.47% | 2.50% |
| 60 Month IRA | $25.00 | 3.20% | 3.25% |