Interest rate and annual percentage yield (APY) current as of 12/11/2025.
F&M Savings*
| Balance | Interest Rate | APY |
|---|---|---|
| Under $2,500 | 0.25% | 0.25% |
| $2,500-$4,999.99 | 0.30% | 0.30% |
| $5,000-$24,999.99 | 0.35% | 0.35% |
| $25,000+ | 0.40% | 0.40% |
$50 minimum deposit to open account. The minimum balance required to obtain the APY is $0.01.
F&M Money Market*
| Balance | Interest Rate | APY |
|---|---|---|
| Under $5,000 | 0.25% | 0.25% |
| $5,000-$24,999.99 | 0.50% | 0.50% |
| $25,000-$99,999.99 | .85% | .85% |
| $100,000-$249,999.99 | 1.00% | 1.00% |
| $250,000-$999,999.99 | 1.10% | 1.10% |
| $1,000,000+ | 2.05% | 2.05% |
$50 minimum deposit to open account. The minimum balance required to obtain the APY is $0.01.
Junior Savings*
| Balance | Interest Rate | APY |
|---|---|---|
| All Balances | 0.50% | 0.50% |
$10 minimum deposit to open account. The minimum balance required to obtain the APY is $0.01.
Balance: The amount of principal in the account each day.
*The interest rate and annual percentage yield may change after account opening.