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Closed Memorial Day

All F&M locations will be closed Monday, May 25, 2026 in observance of Memorial Day.
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Individual Retirement Accounts

Interest rate and annual percentage yield (APY) current as of 12/11/2025.

60 Month Traditional IRA*

BalanceInterest RateAPY
$1,000+3.00%3.00%

60 Month Roth IRA* 

BalanceInterest RateAPY
$1,000+3.00%3.00%



$1,000 minimum deposit to open account.

Balance: The amount of principal in the account each day.

*A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account.

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