Save Smart. Start Today
Whether you're just getting started or building on what you already have, F&M makes saving simple. Our Advantage Savings account gives you a safe, interest-earning place to grow your money with no hassle and no surprises.
Your money deserves a place to grow.
Life is full of surprises, and a savings account is the foundation of good financial health. Whatever you're saving for, the Advantage Savings account makes it easy to start, easy to build, and easy to manage on your terms.
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Advantage Savings
Simple savings that actually work for you.
A straightforward account built to help you grow your money safely, earn interest, and stay in control.
Built for everyday savers who want steady growth and simple access to their money.
Start Small
Open your account with just $100.
Grow Automatically
Earn interest as your balance builds.
Stay Flexible
Access your money when you need it.*
*Subject to transaction limits; no debit card issued.
Account Features
- $100 minimum opening deposit
- Earn interest on your entire balance, paid quarterly
- Avoid the $10 monthly service charge by maintaining a $100 minimum daily balance
- No monthly service charge for customers under the age of 18
- Free digital banking services, including eStatements, learn more.
- $5 fee per withdrawal/transfer over 6 per statement cycle; internal transfers between your own accounts are excluded.
Looking for more ways to save and earn?
The Advantage Savings account is a great place to start, but F&M has more savings solutions to match where you are financially and where you want to go.
Advantage Money Market
Tiered interest rates for larger balances, with limited transaction access.
Certificates of Deposit
Don't need the money right away? Lock in a fixed rate and guaranteed APY for the term; early withdrawal penalties may apply.
Individual Retirement Accounts
Save for retirement with options designed to help you work toward your long-term financial goals.
Explore IRAsFrom first deposit to future goals, we're here to help.
Whether you're saving for a rainy day, a major purchase, or simply peace of mind, F&M is here to help you build a stronger financial future. Let's get started together.