We have been made aware of scammers attempting to contact F&M Trust customers and posing as bank representatives. Please remember F&M Trust will never ask for your account number, online banking password, or other confidential information. Do not click on links or respond to unexpected calls or texts. If you receive a suspicious call, disconnect and contact F&M Trust directly using the number listed on our website.
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Want your money to work harder? We’ve got a spectrum of choices for your personal savings and investing needs. Whether your goal is a vacation, college tuition, retirement or a backyard swimming pool, we’ll help you to save and get there.
Our Money Management Account gives you the flexibility and liquidity of a Money Market account, paying a changing, competitive rate of interest that reflects market conditions.
Our Certificates of Deposit offer maturity periods from 30 days to five years. CDs make a great choice for anyone looking for rock-solid security and robust rates.
We offer Individual Retirement Account CD and savings accounts, as well as other alternatives (non-FDIC-insured investments) so you can save for retirement while deferring tax liability. Whether IRA contributions are deductible depends upon your income, filing status, type of IRA and coverage under an employer's qualified plan.
Our Health Savings Accounts can offset a high-deductible health plan, so you’re always ready for tomorrow's medical expenses.
Investor Savings Accounts make for the perfect starter account, allowing you to make deposits, withdrawals and transfers at any time.
Teach the value of saving to your children and teens, with no minimum balance or monthly service fee with our Young Savers Account.
The perfect all-purpose savings account. Deposit as much as you like, and earn a higher rate. And, because you can only withdraw up to two times a year, you’ll escape the temptation to access funds.
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