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For more details or to take advantage of these specials, contact a banker today! 

Deposit Specials



37 Month CD Special

19 Month CD Special


Loan Specials


Unlock the Possibilities

Front Door

With a Home Equity Line of Credit

from F&M Bank! 


Limited time offer - Ending 9/30/2017: 

Receive up to $500 off Closing Costs.* 


The possibilities are endless with a Home Equity Line of Credit from F&M Bank.  Use your funds for home projects,  home improvements, large purchases, debt consolidation, and more! 



PLUS! Existing customers will receive a $60 Gift Card to All American Do-It Center.**






   

*Offer is subject to change at any time without notice. Closing cost credit is available on a new F&M Bank HELOC. Application must be received on or before 9/30/2017.  Closing costs range from $418 to $1,114. Upon closing consumers will receive a $500 credit not to exceed actual closing costs. A $50 annual membership is due each anniversary date of your loan.  Your first year's membership is waived. If HELOC is closed within 36 months, any closing cost credit received will be added on to the payoff. Interest rates are based upon the Wall Street Journal Prime Rate plus an index with a floor of 4%. Interest rates are variable and are subject to change during the life of the loan. F&M Bank HELOCs have a minimum Annual Percentage Rate of 4.056% and a maximum Annual Percentage Rate of 23.319%.   If you only make the minimum payments, you may not repay any principal and a balloon payment may result at the end of the loan. You should consult your tax advisor regarding the deductibility of interest and charges. All loans are subject to credit approval and program guidelines. Property insurance, including flood as applicable, is required. HELOCs are available on owner-occupied primary residences.

**Not a cash offer.  Offer available to existing F&M Bank customers only.  Gift Card received at closing.