Skip Navigation

Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view. Download Adobe© Acrobat Reader.

Business Loans Apply button Home Mortgage Apply Here button

Loans Made For You! 

At F&M Bank, we are here to help make your financial dreams come true! Whether you are looking to purchase a new car, take that once in a lifetime vacation, remodel your home, or consolidate existing debt, we have the products to fit your needs.  With helpful, experienced lenders and fast approvals, we're here for you! 


Apply with a Relationship Banker today! 

Private Student Loans

The Smart Option Student Loan® for F&M Bank by Sallie Mae®.  For borrowers attending degree-granting institutions. 

Now You can pay for college the smart way with three great repayment options and competitive interest rates!

This loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans.  To learn more or to apply, please get started here.

The Smart Option Student Loan features and benefits:

  • Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates, providing even more flexibility. 
  • No origination fee and no prepayment penalty
  • Benefits and an interest rate reduction available
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify 
  • 100% US-based Student Loan Specialists
To learn more, please get started here. 

Credit Cards - Visa or American Express

What do you want most from a Credit Card?  At F&M Bank, you choose how you want to be rewarded.  Click the Apply Here link below to compare and choose the credit card that gives you the best combination of reward options and features.  

  • Apply Here
  • No annual fee
  • 24/7 live US-based customer service
  • Reward points with
  • Accepted by merchants worldwide
  • Can be used at ATMs worldwide
  • Emergency card replacement
  • Travel and emergency assistance
  • Easy payments can be made automatically from your F & M checking or savings account via You can also view your statements online, check your remaining balance, and review your transactions.


Overdraft Line of Credit

Enjoy peace of mind and less stress with our Overdraft Line of Credit.  Specifically for individuals with an F&M Bank checking account, our Overdraft Line of Credit offers protection from unwanted and embarrassing overdrafts.  

With a low annual fee, low payments, and flexible payment options, this account is both convenient and easy.  

To apply for a loan or for current rates, contact a relationship banker today! 


*All loans subject to credit approval. 

Loan Calculators

Use our calculators to help with your financial needs.

The calculators provided on this page are for informational purposes only and are not guaranteed to be accurate or intended to indicate the availability or applicability of any F&M Bank product or services to your particular circumstances. Please contact you local Farmers & Merchants Bank branch to find out how we can help you reach all your financial goals.