Comparison Table for Certificate of Deposit
  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 Rates; Interest Accrues Daily and is Compounded and Credited According to the Terms of the Account.

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

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Some account features and benefits may be subject to separate application, agreement, fees, and/or approval. Terms, Conditions and Limitations may apply. Account features and benefits are subject to change with or without notice. For additional details, please refer to Services & Fees located at, 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.