F&M Commercial Banking
 
 Home Equity  Consumer Loans  Student Loans  Visa Credit Cards  Loan Calculators
 
 

Home Equity

If you already own your own home, we offer two great products designed to take advantage of the equity in it.

Home Equity Options At A Glance
Deposit Product Account Options
Descriptions

Features

Premier Home Equity Line of Credit









  Your funds are available whenever and however you need it!









  • Credit available when you need it
  • Easily accessible by check, Online Banking, 24 Hour Telephone Banking, in-person withdrawals/transfers or telephone transfers
  • Easy payments
  • Interest may be tax deductible – contact your tax advisor for further information
  • Annual fee is waived the first year
  • Loan limits apply – please contact us for further information
  • No annual membership fee for the first year
Home Equity Loan






  With a fixed rate and fixed term, you know exactly how much your payment will be each month.




  • Multiple terms available
  • Easy payments
  • Interest may be tax deductible – contact your tax advisor for further information
  • Loan limits apply – please contact us for further information


Consumer Loans

F & M Bank has the perfect consumer loan to fit your immediate financing needs.

  • Can be secured by an automobile, boat, recreational vehicle, motorcycle, home or real estate
  • Multiple terms available
  • Low interest rates
  • Easy payments can be set up automatically from your F & M checking or savings account or you can make payments via 24 Hour Online or Telephone Banking or visit any of our offices

Private Student Loans

Now you can pay for college the smart way with great repayment options!
Together we can do this.


The F&M Bank Smart Option Student Loan® by Sallie Mae® is an ideal solution to help bridge that gap between federal loans and the cost of your education expenses.

To learn more or to apply, please get started now by clicking here.

The Smart Option Student Loan features and benefits:

  • Competitive Interest Rates
  • Borrow up to 100% of school certified education costs (minimum $1,000)
  • Multiple in-school repayment options available
  • Borrower benefits available – like rewards and interest rate reductions
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate
  • Fast Online Application. Our easy-to-complete application takes about 20 minutes. It's quick and easy.
  • 24/7 online account management
  • No prepayment penalty.

Visa Credit Cards

  • Apply Here
  • No annual fee
  • Reward points with www.scorecardrewards.com
  • Accepted by merchants worldwide
  • Can be used at ATMs worldwide
  • Easy payments can be made automatically from your F & M checking or savings account via www.mycardstatement.com. You can also view your VISA statements online, check your remaining balance, and review your transactions.

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 Farmers & Merchants 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.