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CDs and IRAs

Individual Retirement Accounts (IRAs)

No one knows what the future holds... but rest assured, you are building a bright future with an IRA at F&M Bank and Trust Company!

With a minimum deposit of $2,500, you can open a Traditional IRA. Please visit the IRS Website or your tax advisor for additional details about IRAs, or contact Joy McPike at 573-221-6425 Ext. 370, who will be happy to answer your questions.

  • Competitive fixed rates
  • Maturities range in terms from 12 months to 42 months

Click here for current rates of all our IRA accounts.

Certificates of Deposit (CDs)

Our Certificate of Deposit is a fantastic and easy way to grow your money while keeping it safe. At F&M Bank and Trust Company you can select from a variety of flexible terms and rates that best meet your savings goals. Start yours today!

  • Competitive fixed rates
  • Maturities range in terms from 30 days to 60 months

F&M also offers a CD designed especially for children! Any child 16 years old or younger, can open a Growing Tree CD with an adult joint owner. It has a lower opening balance requirements and the capability of additional deposits.

Click here for current rates of all our CDs

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Contact Us

To become better acquainted with F&M Bank, call us toll free at 877-221-6424 or stop in. We're here to help!

505 Broadway
PO Box 938
Hannibal, MO 63401

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Routing number (281573013)

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