CDs and IRAs
Individual Retirement Accounts (IRAs)
No one knows what the future holds... but rest assured, you are building a bright future with an IRA at F&M Bank and Trust Company!
With a minimum deposit of $2,500, you can open a Traditional IRA. Please visit the IRS Website or your tax advisor for additional details about IRAs, or contact Joy McPike at 573-221-6425 Ext. 370, who will be happy to answer your questions.
- Competitive fixed rates
- Maturities range in terms from 12 months to 42 months
Click here for current rates of all our IRA accounts.
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
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