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F&M Bank and Trust
Certificates of Deposit
$2500 and over
Term Interest APY - Annual Percentage Yield
91 day 1.75% 1.76%
6 month 2.75% 2.78%
7 month Special 3.00% 3.04%
12 month 3.05% 3.09%
18 month 3.35% 3.39%
$1000 and over
Term Interest APY - Annual Percentage Yield
24 month 3.50% 3.55%
30 month 3.75% 3.80%
36 month 4.00% 4.06%
42 month 4.00% 4.06%
48 month 4.00% 4.06%
60 month 4.00% 4.06%
$10,000 and over
Term Interest APY - Annual Percentage Yield
30 day 1.50% 1.51%
APY is effective 6/12/2008. Minimum balance to open any of these accounts and to obtain the APY is listed above. A penalty may be imposed for early withdrawals. Fees could reduce earnings on the account.

Rates may change at the discretion of F&M Bank and Trust.

Rates change at management’s discretion. CD’s 30,91 and 182 days, 12,18,24,30,36,42 and 60 months are available.  Interest is calculated on a simple interest basis and paid  quarterly. Monthly checks can be issued on CDs of $10,000 or over.  Interest will be capitalized on a quarterly basis. An early withdrawal penalty of the loss of three month’s interest is assessed on CD’s pf 12 months or less. A six month penalty is assessed on CDs of over 12 months. A twelve month penalty is assessed on CDs that are 60 months and over.

 

6/12/08 SK SP