F&M Bank (TN)

Overview / Commentary
50 Franklin St
Clarksville, TN 37040

F&M Bank (TN) is headquartered in Clarksville and is the 15th largest bank in the state of Tennessee. It is also the 697th largest bank in the nation. It was established in 1906 and as of June of 2019, it had grown to 289 employees at 23 locations. F&M Bank (TN)'s money market rates are 5X the national average, and it boasts an A+ health rating.

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Rate Is Gone - 7/9/2019

The rate has dropped to 2% and is no longer available

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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 - YTD0.53%
Return on Equity - YTD4.86%
Annual Interest Income$24.6MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$1.15B$1.07B
LoansQ2 2019vs Q2 2018$867.4MM$858.9MM
DepositsQ2 2019vs Q2 2018$945.0MM$853.9MM
Equity CapitalQ2 2019vs Q2 2018$125.1MM$117.1MM
Loan Loss AllowanceQ2 2019vs Q2 2018$3.3MM$2.9MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$1.7MM$2.1MM
Real Estate OwnedQ2 2019vs Q2 2018$0$755.00K
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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%--Health Savings Account
0.25%--Youth Savings
0.25%--Smart Savings
0.25%--Business Smart 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

1.00%*$2.5k*-Choice Interest Checking
OTHER TIERS: 0.15% Up to $2.5k
0.15%--VIP Interest Checking
0.15%--Business Interest Checking
0.15%--50+ Interest Checking

F&M Bank (TN) CD Rates

1.75%$1k$500k24 Month My Choice CD Special
1.75%$1k$500kBusiness 24 Month My Choice CD Special
1.60%$1k-36 Month CD
1.60%$1k-Business 36 Month CD
1.60%$1k-18 Month One Step-Up CD
1.60%$1k-Business 18 Month One Step-Up CD
1.50%$1k-48 Month CD
1.50%$1k-Business 48 Month CD
1.50%$1k$500k12 Month My Choice CD Special
1.50%$1k$500kBusiness 12 Month My Choice CD Special
1.25%$1k-60 Month CD
1.25%$1k-Business 60 Month CD
1.00%$1k-9 Month CD
1.00%$1k-Business 9 Month CD
0.75%$1k-3 Month CD
0.75%$1k-6 Month CD
0.75%$1k-Business 3 Month CD
0.75%$1k-Business 6 Month CD

F&M Bank (TN) IRA Rates

1.75%$1k-24 Month One Step-Up IRA
1.60%$1k-36 Month IRA
1.60%$1k-18 Month One Step-Up IRA
1.50%$1k-48 Month IRA
1.50%$1k-12 Month One Step-Up IRA
1.25%$1k-60 Month IRA
1.00%$1k-9 Month IRA
0.75%$1k-3 Month IRA
0.75%$1k-6 Month IRA


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