Checking Accounts

Select your Checking Account

Minimum Balance to Open Interest Rate APY
$100.00 0 .10% 0 .10%
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Tiered Rates Minimum Balance to Open Interest Rate APY
$0.01-$9,999.99  $100.00 0.10% 0.10%
$10,000.00-$49,999.99 $100.00 0.15% 0.15%
$50,000 or more $100.00 0.15% 0.15%
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Minimum Balance to Open Interest Rate APY
$100.00 0.05% 0.05%
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Minimum Balance to Open Interest Rate APY
$200.00 0.05% 0.05%
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Tier Minimum Balance to Open Earnings Credit Rate
$0.01-$99,999.99 Not Applicable 0.10%
$100,000-$499,999.99  Not Applicable 0.15%
$500,000-$999,999.99  Not Applicable 0.20%
$1,000,000 or more  Not Applicable 0.25%
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Savings Accounts

Select your Savings Account

Tiered Rates Minimum Balance to Open Interest Rate APY
$0.01-$9,999.99 $100.00 0.01% 0.01%
$10,000-$24,999.99 $100.00 0.05% 0.05%
$25,000-$49,999.99 $100.00 0.05% 0.05%
$50,000-$99,999.99 $100.00 0.05% 0.05%
$100,000 or more $100.00 0.05% 0.05%
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Tiered Rates Minimum Balance to Open Interest Rate APY
$0.01-$9,999.99 Consumer-$100 / Business-$200 0.05% 0.05%
$10,000-$24,999.99 Consumer-$100 / Business-$200 0.10% 0.10%
$25,000-$49,999.99 Consumer-$100 / Business-$200 0.10% 0.10%
$50,000-$99,999.99 Consumer-$100 / Business-$200 0.10% 0.10%
$100,000 or more Consumer-$100 / Business-$200 0.10% 0.10%
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Tiered Rates Minimum Balance to Open Interest Rate APY
$0.01-$999.99 $25 0 .05% 0 .05%
$1,000-$19,999.99 $25 0 .05% 0 .05%
$20,000 or more $25 0 .05% 0 .05%
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Minimum Balance to Open Interest Rate APY
No Minimum 0 .10% 0 .10%
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Minimum Balance to Open Interest Rate APY
$100.00 0 .10% 0 .10%
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Market Rate Certificates of Deposit (CDs)

Select your CD rate term

Tiered Rates Minimum Balance to Open Interest Rate APY
$0.01-$9,999.99 $1,000.00 0.05% 0.05%
$10,000-$49,999.99 $1,000.00 0.05% 0.05%
$50,000-$99,999.99 $1,000.00 0.05% 0.05%
$100,000-$499,999.99 $1,000.00 0.05% 0.05%
$500,000 or more $1,000.00 0.05% 0.05%
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Tiered Rates Minimum Balance to Open Interest Rate APY
$0.01-$9,999.99 $1,000.00 0.05% 0.05%
$10,000-$49,999.99 $1,000.00 0.05% 0.05%
$50,000-$99,999.99 $1,000.00 0.05% 0.05%
$100,000-$499,999.99 $1,000.00 0.05% 0.05%
$500,000 or more $1,000.00 0.05% 0.05%
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Tiered Rates Minimum Balance to Open Interest Rate APY
$0.01-$9,999.99 $1,000.00 0.10% 0.10%
$10,000-$49,999.99 $1,000.00 0.10% 0.10%
$50,000-$99,999.99 $1,000.00 0.10% 0.10%
$100,000-$499,999.99 $1,000.00 0.10% 0.10%
$500,000 or more $1,000.00 0.10% 0.10%
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Tiered Rates Minimum Balance to Open Interest Rate APY
$0.01-$9,999.99 $1,000.00 0.20% 0.20%
$10,000-$49,999.99 $1,000.00 0.20% 0.20%
$50,000-$99,999.99 $1,000.00 0.20% 0.20%
$100,000-$499,999.99 $1,000.00 0.20% 0.20%
$500,000 or more $1,000.00 0.20% 0.20%
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Tiered Rates Minimum Balance to Open Interest Rate APY
$0.01-$9,999.99 $1,000.00 0.30% 0.30%
$10,000-$49,999.99 $1,000.00 0.30% 0.30%
$50,000-$99,999.99 $1,000.00 0.30% 0.30%
$100,000-$499,999.99 $1,000.00 0.30% 0.30%
$500,000 or more $1,000.00 0.30% 0.30%
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Tiered Rates Minimum Balance to Open Interest Rate APY
$0.01-$9,999.99 $1,000.00 0.40% 0.40%
$10,000-$49,999.99 $1,000.00 0.40% 0.40%
$50,000-$99,999.99 $1,000.00 0.40% 0.40%
$100,000-$499,999.99 $1,000.00 0.40% 0.40%
$500,000 or more $1,000.00 0.40% 0.40%
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Tiered Rates Minimum Balance to Open Interest Rate APY
$0.01-$9,999.99 $1,000.00 0.90% 0.90%
$10,000-$49,999.99 $1,000.00 0.90% 0.90%
$50,000-$99,999.99 $1,000.00 0.90% 0.90%
$100,000-$499,999.99 $1,000.00 0.90% 0.90%
$500,000 or more $1,000.00 0.90% 0.90%
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Tiered Rates Minimum Balance to Open Interest Rate APY
$0.01-$9,999.99 $1,000.00 1.20% 1.21%
$10,000-$49,999.99 $1,000.00 1.20% 1.21%
$50,000-$99,999.99 $1,000.00 1.20% 1.21%
$100,000-$499,999.99 $1,000.00 1.20% 1.21%
$500,000 or more $1,000.00 1.20% 1.21%
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Market Rate Individual Retirement Accounts (IRAs)

Select your IRA term

Tiered Rates Minimum Balance to Open Interest Rate APY
$0.01-$9,999.99 $500.00 0.20% 0.20%
$10,000-$49,999.99 $500.00 0.20% 0.20%
$50,000-$99,999.99 $500.00 0.20% 0.20%
$100,000-$499,999.99 $500.00 0.20% 0.20%
$500,000 or more $500.00 0.20% 0.20%
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Tiered Rates Minimum Balance to Open Interest Rate APY
$0.01-$9,999.99 $500.00 0.30% 0.30%
$10,000-$49,999.99 $500.00 0.30% 0.30%
$50,000-$99,999.99 $500.00 0.30% 0.30%
$100,000-$499,999.99 $500.00 0.30% 0.30%
$500,000 or more $500.00 0.30% 0.30%
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Tiered Rates Minimum Balance to Open Interest Rate APY
$0.01-$9,999.99 $500.00 0.40% 0.40%
$10,000-$49,999.99 $500.00 0.40% 0.40%
$50,000-$99,999.99 $500.00 0.40% 0.40%
$100,000-$499,999.99 $500.00 0.40% 0.40%
$500,000 or more $500.00 0.40% 0.40%
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Tiered Rates Minimum Balance to Open Interest Rate APY
$0.01-$9,999.99 $500.00 0.50% 0.50%
$10,000-$49,999.99 $500.00 0.50% 0.50%
$50,000-$99,999.99 $500.00 0.50% 0.50%
$100,000-$499,999.99 $500.00 0.50% 0.50%
$500,000 or more $500.00 0.50% 0.50%
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Tiered Rates Minimum Balance to Open Interest Rate APY
$0.01-$9,999.99 $500.00 0.65% 0.65%
$10,000-$49,999.99 $500.00 0.65% 0.65%
$50,000-$99,999.99 $500.00 0.65% 0.65%
$100,000-$499,999.99 $500.00 0.65% 0.65%
$500,000 or more $500.00 0.65% 0.65%
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Tiered Rates Minimum Balance to Open Interest Rate APY
$0.01-$9,999.99 $500.00 0.95% 0.95%
$10,000-$49,999.99 $500.00 0.95% 0.95%
$50,000-$99,999.99 $500.00 0.95% 0.95%
$100,000-$499,999.99 $500.00 0.95% 0.95%
$500,000 or more $500.00 0.95% 0.95%
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Tiered Rates Minimum Balance to Open Interest Rate APY
$0.01-$9,999.99 $500.00 1.20% 1.21%
$10,000-$49,999.99 $500.00 1.20% 1.21%
$50,000-$99,999.99 $500.00 1.20% 1.21%
$100,000-$499,999.99 $500.00 1.20% 1.21%
$500,000 or more $500.00 1.20% 1.21%
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Annual Percentage Yield (APY) is current as of 2/28/2017

Please refer to Services and Fees on fmb.com/fees for additional account details. Terms and Conditions may apply.

Rates may change at any time without prior notice, before or after the account is opened. Fees could reduce earnings on the account.

Deposit Accounts: Interest for checking and money market accounts are compounded and credited to your account monthly on the monthly statement cycled date. Interest for savings accounts are compounded and credited to your account quarterly on the quarterly statement cycle date. If you close your account before interest is credited, you will not receive the accrued interest.

CD Accounts: APY assumes that interest is compounded and credited monthly and remains on deposit until maturity. Interest rates are fixed rates and are paid for the term of the deposit until maturity. A withdrawal of interest prior to maturity will reduce earnings. A penalty will be imposed for early withdrawal.

IRA Accounts: APY assumes that interest is compounded and credited quarterly and remains on deposit until maturity. Interest rates are fixed rates and are paid for the term of the deposit until maturity. Deposits may be made to your account in accordance with your IRA plan disclosure. A withdrawal of interest prior to maturity will reduce earnings. A penalty will be imposed for early withdrawal.

Please review your Truth-in-Savings disclosure for additional terms and conditions that may apply. Please contact your local F&M office for more details.