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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 0.10% 0.10% 0.00%
91 day 0.20% 0.20% 0.10%
6 month 0.25% 0.25% 0.15%
12 month 0.30% 0.30% 0.20%
18 month 0.35% 0.35% 0.25%
24 month 0.60% 0.60% 0.50%
30 month 0.70% 0.70% 0.60%
36 month 0.80% 0.80% 0.70%
42 month 0.85% 0.85% 0.75%
48 month 1.00% 1.00% 0.90%
60 month 1.25% 1.26% 1.15%
*Annual Percentage Yield (APY) is effective 1/19/2012. Minimum balance to open any of these accounts and to obtain the APY is listed above. A penalty may be imposed for early withdrawals.

 

01/19/2012 SP

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