Regular Savings

  • Save up for future purchases or an emergency fund
  • Grow your funds with competitive interest
  • Access your money when you need it with 6 free withdrawals
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Holiday Savings Club

  • Save for the holiday spending season ahead of time
  • Earn interest on the money you set aside
  • No monthly service charge or minimum balance requirements1
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Junior Savers

  • Teach your child the basics of saving with a hands-on account
  • Earns competitive interest
  • No monthly service charge or minimum balance requirements1
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Savings-Link Overdraft Protection

  • Protect your balance and credit from overdrafts
  • Links directly to an F&M checking account
  • Automatically transfers funds if you ever make an overdraft
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Money Market Account

  • Maximize your earnings with competitive, tiered rates
  • Maintain access to your funds with direct check writing and 6 free withdrawals a month
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Certificates of Deposit (CDs)

  • Save with fixed rates that beat standard savings
  • Choose from a wide range of terms; the longer it is, the higher your rate
  • No setup or maintenance fees required1
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Individual Retirement Accounts (IRAs)

  • Prepare for your retirement with rates above regular savings
  • Earn competitive interest and enjoy tax advantages
  • Traditional or Roth IRA options available
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