RATES

Explore our current interest rates

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Interest Rates listed below are effective April 8, 2026

Consumer Rates

Rates are subject to change.

Not all available terms and rates are listed for F&M Trust certificates of deposit and loans. Other rates and terms are available.

For additional product or rate information, please contact your nearest F&M Trust community office or call (717) 264-6116 or (888) 264-6116.

Checking Accounts

YourWay Premier	Dollar Range	Annual Percentage Yield
Tier 1	$5,000+	0.02%
Tier 2	$2500-4,999.99	0.02%

Money Management Accounts

Money Management Account	Dollar Range	Annual Percentage Yield
Tier 1	$500,000+	0.75%
Tier 2	$250,000-499,999.99	0.75%
Tier 3	$100,000-249,999.99	0.65%
Tier 4	$50,000-99,999.99	0.45%
Tier 5	$25,000-49,999.99	0.35%
Tier 6	$2,500-24,999.99	0.05%

^{Account Disclosures - Truth in Savings(Reg DD) and Terms & Conditions}

Savings Accounts

IRA Savings Accounts	Dollar Range	Annual Percentage Yield
Tier 1	$10,000+	0.05%
Tier 2	$500-9,999.99	0.05%
Tier 3	$1-499.99	0.05%

Certificates of Deposit

CDs*	Dollar Range	Annual Percentage Yield
24-month CD	$5,000-24,999.99	2.20%
24-month CD	$25,000-99,999.99	2.25%
36-month CD	$1,000-4,999.99	2.40%
36-month CD	$5,000-24,999.99	2.40%
36-month CD	$25,000-99,999.99	2.45%
60-month CD	$1,000-24,999.99	2.55%

^{*Certain new money restrictions apply.}

Loans

Auto Loans	Annual Percentage Rate
4 year Auto Loan	As low as 6.74%
5 year Auto Loan	As low as 6.74%
6 year Auto Loan	As low as 6.99%

FlexLOC Lock-In	Annual Percentage Rate
5 year Fixed Rate	As low as 6.00%
10 year Fixed Rate	As low as 6.00%
15 year Fixed Rate	As low as 6.00%

Home Equity Line of Credit	Annual Percentage Rate
FlexLOC 12-month Intro Rate	As low as 5.50%
FlexLOC Regular Rate	As low as 6.25%
^{* Intro Rate available for new borrowers only.}

Personal Line of Credit	Annual Percentage Rate
Personal Line of Credit	As low as 11.25%

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