Overview / Commentary
50 Franklin St
Clarksville, TN 37040

F&M Bank (TN) is headquartered in Clarksville and is the 16th largest bank in the state of Tennessee. It is also the 709th largest bank in the nation. It was established in 1906 and as of September of 2018, it had grown to 272 employees at 20 locations. F&M Bank (TN)'s money market rates are 5X the national average, and it boasts an A+ health rating.

Related Posts

F&M Bank (TN) Ups 24-Month My Choice CD APY - 9/12/2018

F&M Bank (TN) has two My Choice CDs, 12-month (2.50% APY) and 24-month (3.00% APY), that offer one penalty-free withdrawal and one rate step-up during the term.

Reward Checking Account 4%APY $20K - 2/28/2018

Estatements, one automatic payment or direct deposit per statement cycle, access online banking, 10 debit card transactions. See https://www.myfmbank.com/Personal-Checking.aspx for requirements info

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Reviews (1)


Posted by: steve64d | Aug 25, 2014

Used F&M bank to close on a house when I was stationed here. Three weeks before closing rates had dropped significantly. Called lender to have rate dropped on our loan application. The woman at the bank was clearly upset because this would amount to some more paperwork for her. I reminded her she was already making thousands off me, and this would save me thousands. She said she would do it. Two weeks later when we went to close, guess what....no drop in the APR! F&M bank got over on me, cost me thousands of dollars. I left a job making 250,000 a year after 9/11 to serve our country, and this is the thanks I get. DO NOT USE F&M BANK.


Health Grade Components

FDIC Certificate #9963
Year Established1906
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.94%
Return on Equity - YTD8.5%
Annual Interest Income$33.7MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$1.10B$1.02B
LoansQ3 2018vs Q3 2017$883.3MM$828.9MM
DepositsQ3 2018vs Q3 2017$869.5MM$820.4MM
Equity CapitalQ3 2018vs Q3 2017$120.7MM$113.8MM
Loan Loss AllowanceQ3 2018vs Q3 2017$3.0MM$2.7MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$2.4MM$2.4MM
Real Estate OwnedQ3 2018vs Q3 2017$718.00K$1.4MM
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Always verify rates and promotions with the bank or credit union. We are not F&M Bank (TN); we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

F&M Bank (TN) Savings Account Rates

0.60%*$100k*-IRA Plus
OTHER TIERS: 0.15% Up to $3k | 0.20% $3k - $25k | 0.30% $25k - $50k | 0.40% $50k - $100k
0.50%*-$25kEasy Save Account
OTHER TIERS: 0.15% $25k+
0.50%--Health Savings Account
0.15%--Regular Savings
0.15%--Youth Savings

F&M Bank (TN) Money Market Rates

2.00%*$1m*-Choice Money Market
OTHER TIERS: 0.10% Up to $25k | 0.20% $25k - $50k | 0.75% $50k - $100k | 1.00% $100k - $500k | 1.50% $500k - $1m
2.00%*$1m*-Business Choice Money Market
OTHER TIERS: 0.10% Up to $25k | 0.20% $25k - $50k | 0.75% $50k - $100k | 1.00% $100k - $500k | 1.50% $500k - $1m

F&M Bank (TN) Checking Account Rates

0.30%*$100k*-Choice Interest Checking
OTHER TIERS: 0.05% Up to $5k | 0.10% $5k - $25k | 0.15% $25k - $50k | 0.25% $50k - $100k
0.15%--VIP Interest Checking

F&M Bank (TN) CD Rates

3.00%$1k$500k24 Month My Choice CD
3.00%$1k$500kBusiness 24 Month My Choice CD
2.50%$1k$500k12 Month My Choice CD
2.50%$1k$500kBusiness 12 Month My Choice CD
2.02%$1k-60 Month CD
2.02%$1k-Business 60 Month CD
1.76%$1k-48 Month CD
1.76%$1k-Business 48 Month CD
1.61%$1k-36 Month CD
1.61%$1k-Business 36 Month CD
1.51%$1k-24 Month CD
1.51%$1k-Business 24 Month CD
1.41%$1k-18 Month CD
1.41%$1k-Business 18 Month CD
1.31%$1k-12 Month CD
1.31%$1k-Business 12 Month CD
0.95%$1k-9 Month CD
0.95%$1k-Business 9 Month CD
0.60%$1k-6 Month CD
0.60%$1k-Business 6 Month CD
0.45%$1k-3 Month CD
0.45%$1k-Business 3 Month CD

F&M Bank (TN) IRA Rates

2.02%$1k-60 Month IRA
1.76%$1k-48 Month IRA
1.61%$1k-36 Month IRA
1.51%$1k-24 Month IRA
1.41%$1k-18 Month IRA
1.31%$1k-12 Month IRA
0.95%$1k-9 Month IRA
0.60%$1k-6 Month IRA
0.45%$1k-3 Month IRA


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