Personal Banking Rates

Account Rates

(Effective 04/06/16)

CDs / IRAs

See Our Current CD Specials!

Certificates of Deposit / IRAs
Term

Minimum Deposit*

Compounds

Interest Rate

APY**

3 Months

$1,000.00

Quarterly

0.20%

0.20%

6 Months

$1,000.00

Quarterly

0.30%

0.30%

9 Months

$1,000.00

Quarterly

0.40%

0.40%

12 Months***

$1,000.00

Quarterly

0.45%

0.45%

18 Months***

$1,000.00

Quarterly

0.65%

0.65%

24 Months***

$1,000.00

Quarterly

0.75%

0.75%

36 Months

$1,000.00

Quarterly

1.00%

1.00%

48 Months

$1,000.00

Quarterly

1.10%

1.10%

60 Months

$1,000.00

Quarterly

1.24%

1.25%

* Substantial Penalty For Early Withdrawal
** APY = Annual Percentage Yield
*** One Step Up available. Call for details.

IRA Plus
Balance

Compounds

Interest Rate

APY*

$0 - $2,999.99

Quarterly

0.15%

0.15%

$3,000.00 - $9,999.99

Quarterly

0.20%

0.20%

$10,000.00 - $24,999.99

Quarterly

0.20%

0.20%

$25,000.00 - $49,999.99

Quarterly

0.30%

0.30%

$50,000.00 - $99,999.99

Quarterly

0.40%

0.40%

$100,000.00+

Quarterly

0.60%

0.60%

* APY = Annual Percentage Yield

Checking

Smart E-Checking

Balance*

Compounds

Interest Rate

APY**

Service Charge

$0 - $20,000.00

Monthly

1.98

2.00%

N/A

$20,000.01+

Monthly

0.40%

0.40%

N/A

* To qualify for the Smart E-Checking interest rate and to be reimbursed for non F&M ATM transactions, you must meet the following requirements each month: (1) Ten check card transactions must post and clear per qualification cycle. (2) Receive your monthly statement electronically. (3) Set up at least one monthly direct deposit or automatic payment must post and clear per qualification cycle (4) Access online banking at least once per qualification cycle. Qualification cycle means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. 0.50% APY will be paid on balances over $20,000. Account balances over $20,000 will earn a blended interest rate if all qualifications are met. If you do not meet the above requirements during your monthly qualification cycle, you will earn .05% APY on your entire balance. At our discretion, we may change the qualification requirements and/or the balance tier on your account at any time. A 30-day notice will be provided for either of these two changes. APYs accurate as of 04/06/16. All requirements waived during your first qualification cycle. No more than two accounts per person.< p/>

**APY = Annual Percentage Yield Variable Rate. Fees may reduce earnings.

VIPInterest Checking

Balance

Compounds

Interest Rate

APY*

Service Charge

$0 - $499.99

Monthly

0.15%

0.15%

$8.00 if balance fall below $500.00 with no Direct Deposit

$500.00+

Monthly

0.15%

0.15%

N/A

Interest earned on total balance. At our discretion, we may change the balance tier on your account at any time. A 30-day notice will be provided for these changes.

*APY = Annual Percentage Yield Variable Rate. Fees may reduce earnings.

Choice Interest Checking

Balance

Compounds

Interest Rate

APY*

Service Charge

$0 - $4,999.99

Monthly

0.05%

0.05%

$15.00 if balance falls below $5,000

$5,000.00 - $24,999.99

Monthly

0.10%

0.10%

N/A

$25,000.00 - $49,999.99

Monthly

0.15%

0.15%

N/A

$50,000.00 - $99,999.99

Monthly

0.25%

0.25%

N/A

$100,000.00+

Monthly

0.30%

0.30%

N/A

*APY = Annual Percentage Yield. Tiered interest - Interest earned on total balance. Interest rate is variable and earning are credited monthly. Fees may reduce earnings.

Money Market

Choice Money Market

Balance

Compounds

Interest Rate

APY*

Service Charge

$0 - $9,999.99

Monthly

0.05%

0.05%

$12.00 if balance falls below $2,500.00

$10,000.00 - $24,999.99

Monthly

0.10%

0.10%

N/A

$25,000.00 - $49,999.99

Monthly

0.20%

0.20%

N/A

$50,000.00 - $99,999.99

Monthly

0.30%

0.30%

N/A

$100,000.00 - $199,999.99

Monthly

0.40%

0.40%

N/A

$200,000.00+

Monthly 0.45% 0.45% N/A

*APY = Annual Percentage Yield Variable interest rates.Fees may reduce earnings.

Savings

Regular Savings

Balance

Compounds

Interest Rate

APY*

Service Charge

$0+

Quarterly

0.15%

0.15%

$12 per Quarter. Fee can be avoided if minimum daily balance of $500 is maintained. No service charge for customers age 50 and over.

*APY = Annual Percentage Yield. A variable interest rate is paid for balances over $500.00. There is a charge of $2.00 per withdrawal in excess of 3 per statement cycle. Fees may reduce earnings.

Youth Savings

Balance

Compounds

Interest Rate

APY*

Service Charge

$0+

Quarterly

0.15%

0.15%

$2 for each withdrawal over 3 per quarter.

*APY = Annual Percentage Yield. Youth Savings for under age 20. Account pays interest on all balances. Interest rate is variable. Fees may reduce earnings.

Easy Save Account

Balance

Compounds

Interest Rate

APY*

Service Charge

$0 - $24,999.99

Quarterly

0.50%

0.50%

$10 for each withdrawal over 3 per quarter.

$25,000.00+

Quarterly

0.15%

0.15%

 

*APY = Annual Percentage Yield. Reverts to Regular Savings InterestRate without Automatic Transfer. Interest rate is variable.Fees may reduce earnings.

Health Savings Account

Balance

Compounds

Interest Rate

APY*

Service Charge

$0+

Monthly

0.50%

0.50%

N/A*

*APY = Annual Percentage Yield. Interest rate is variable. Fees may reduce earnings. Account pays interest on all balances. By law, account requires a high deductible health insurance account. Unlimited withdrawals for qualified medical expenses. Minimum $50 opening balance.