Certificates of Deposit (CDs)
Minimum Opening Balance $1,000
Account Fees Early Withdrawal Penalties May Apply if Made Prior to the Maturity Date
Available Terms 7 to 31 days
91 days
182 days
12-23 months
24-35 months
36-47 months
48 months
60 months
Automatic Renewal at Maturity Unless Otherwise Stated  Checkmark
Free Online Banking  Checkmark
Free Mobile Banking1  Checkmark
Free eStatements & eNotices  Checkmark
Interest Competitive Fixed Interest Rate; Interest Accrues Daily and is Paid to the Account, by Check or Deposited to Another F&M Account Monthly, Quarterly, Annually, or at Maturity.

Interest Rate Structure is Tiered Based on Opening or Renewal Balance.

Business Calculators

Some account features and benefits may be subject to separate application, agreement, and/or approval. Terms and Conditions may apply. Account features are subject to change with or without notice. For additional details, please refer to Service & Fees located at fmb.com/fees, or the agreement and disclosures provided at the time of account opening, or ask our office staff.

  • 1F&M Bank does not charge for this service, however, your wireless carrier may charge you fees related to this service.