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CD Rates

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
  • FDIC insured

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