FDIC-Insured – Backed by the full faith and credit of the U.S. Government
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.