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F&M Bank and Trust
Certificates of Deposit
$10,000 and over
Term Interest APY* Interest Received by Check - Rate & API
30 day 0.25% 0.25% 0.15%
91 day 0.40% 0.40% 0.30%
6 month 0.55% 0.55% 0.45%
12 month 0.75% 0.75% 0.65%
18 month 0.85% 0.85% 0.75%
24 month 1.00% 1.00% 0.90%
30 month 1.25% 1.26% 1.15%
36 month 1.50% 1.51% 1.40%
42 month 2.00% 2.02% 1.90%
48 month 2.25% 2.27% 2.15%
60 month 2.50% 2.52% 2.40%
*Annual Percentage Yield (APY) is effective 7/1/2010. Minimum balance to open any of these accounts and to obtain the APY is listed above. A penalty may be imposed for early withdrawals.

 

7/1/10 SP

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