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CD’s and IRA’s

Looking for a safer long-term investment that works for you?

Are you looking for safe investments for your future?  Well look no further!  F&M Bank offers Certificates of Deposit (CD’s) and Individual Retirement Accounts (IRA’s) with a variety of terms and rates to meet your investing needs.  Come see one of our customer service representatives to establish your financial future today!

  • $500.00 minimum to open account
  • No penalty charged on withdrawals made at maturity
    • If CD is not at maturity, withdrawals are subject to penalty1
  • Variety of terms to chose from
  • Competitive interest rates
  • Interest is compounded daily
  • Interest can be paid monthly, quarterly, semi-annually, or annually
  • Interest can be credited back to the CD, paid by check, or deposited into your F&M account
  • $100.00 minimum to open account
  • Penalties for early withdrawal, except withdrawals made in accordance with IRS distributions
  • Withdrawals made before age 59 ½ are subject to 10% IRS Penalty (in addition to early withdrawal penalties if applicable)
  • Includes Traditional, Roth, Coverdale Education Savings (CESA), Medical Savings Accounts (MSA), and Simplified Employee Pension (SEP)

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