Certificates of Deposit

For short-term vacation plans or lifelong investing, Certificates of Deposit (CDs) offer maturity periods from 30 days to 5 years for predictability in income and interest. Combining security with greater earning potential, CDs generally return higher interest than savings or money market deposit accounts with FDIC insurance. With this investment, rates are set for a term that you choose.

Whether you are looking for a time-specific savings plan or a low-risk investment for your portfolio, CDs may be the right choice for you. In addition, CDs offer:

  • Minimum balance of $1000 to open
  • Automatic renewable feature
  • Interest compounds semi-annually on growth CDs
  • Simple interest on income CDs can be credited to another F&M Trust account 

You can access your CD balance, history, maturity date, interest rate, and more using F&M Trust Online Banking or the Freedom Access Center (telephone banking).

Open New Account 

CD terms and interest rates

For other CD terms and current interest rates, please contact the nearest F&M Trust community office or call 264-6116, toll free 888-264-6116.

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