Photo Gallery
Click here to view photos from club events and trips!

Fun & Fellowship for Folks Age 55 or Better

Meet new people, enjoy friends and just have more fun. Membership entitles you to a host of benefits designed just for you:

• Extensive travel opportunities to local, regional, or international destinations
• Informative roundtable seminars on important topics of interest
• Luncheons, potluck and social events

Calendar of Events

Additional Banking Benefits

• No minimum opening balance
• Free personalized checks with our Horizons Club design
• Unlimited check writing privileges
• A competitive interest rate is earned on account balances
• Club membership access with a minimum $1500 balance
• No minimum balance for NOW accounts
• Free ATM or Visa Check Card
• Free membership card
• Free safe deposit box (standard size) or 25% off larger boxes when available
• No-service-fee money orders
• No-service-fee cashiers' checks
• Free notary service and signature guarantee
• Free photocopies

Joining is Easy

• Maintain a minimum balance of $1500 or more in any checking or savings account or...
• Maintain a balance of $15,000 or more in any certificate of deposit or...
• Maintain a balance of $50,000 or more in an F&M Investment Account or...
• Pay $15 monthly fee (A joint account qualifies both husband and wife)

Contact any of our branch offices to join and start enjoying the benefits of Horizons Club.