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 | 0.25% | 0.25% |
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 | 0.70% | 0.70% |
182 Day CD | $1000.00 | 0.75% | 0.75% |
7 Month CD Special | $1000.00 | 4.89% | 5.00% |
9 Month CD Special | $1000.00 | 4.36% | 4.45% |
12 Month CD | $1000.00 | 0.85% | 0.85% |
13 Month CD Special | $1,000.00 | 4.025% | 4.10% |
15 Month CD | $1000.00 | 0.85% | 0.85% |
18 Month CD | $1000.00 | 0.90% | 0.90% |
21 Month CD | $1000.00 | 0.90% | 0.90% |
24 Month CD | $1000.00 | 1.00% | 1.00% |
30 Month CD | $1000.00 | 1.09% | 1.10% |
36 Month CD | $1000.00 | 1.29% | 1.30% |
37 Month CD Special | $1,000.00 | 3.20% | 3.25% |
48 Month CD | $1000.00 | 1.44% | 1.45% |
60 Month CD | $1000.00 | 1.64% | 1.65% |
Please see a new accounts representative for all applicable fees & terms. Annual Percentage Yield (APY) as of 4-16-24 & 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% |