Advertising Disclosure
  1. Home
  2. Banks
  3. F&M Trust

F&M Trust


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/22/2025
4.54%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/22/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/22/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/22/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/22/2025
4.39%
Our Rating
3.6  / 5
Valley National Bank
High-Yield Savings Account Via Raisin
See Offer
Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/22/2025
4.25%
Our Rating
3.7  / 5
Sallie Mae Bank
14 Month High-Yield CD Via Raisin
See Offer
Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
fmtrust.bank
717-264-6116
6010
Chambersburg, PA 17201

F&M Trust is headquartered in CHAMBERSBURG and is the 27th largest bank in the state of Pennsylvania. It is also the 545th largest bank in the nation. It was established in 1906 and as of December of 2024, it had grown to 309 employees at 24 locations. F&M Trust's money market rates are 3X the national average, and it has an A health rating.

Reviews

No reviews have been left for this bank yet. Be the first to review.



Health
A

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #8405
Year Established1906
Employees309
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.65%
Return on Equity - YTD8.99%
Annual Interest Income$103.8MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$2.2B$1.84B
LoansQ4 2024vs Q4 2023$1.38B$1.24B
DepositsQ4 2024vs Q4 2023$1.83B$1.55B
Equity CapitalQ4 2024vs Q4 2023$153.3MM$140MM
Loan Loss AllowanceQ4 2024vs Q4 2023$17.7MM$16.1MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$268K$152K
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/22/2025
4.54%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/22/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/22/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/22/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/22/2025
4.39%
Our Rating
3.6  / 5
Valley National Bank
High-Yield Savings Account Via Raisin
See Offer
Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/22/2025
4.25%
Our Rating
3.7  / 5
Sallie Mae Bank
14 Month High-Yield CD Via Raisin
See Offer
Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
Skip to rates for:
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not F&M Trust; 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 Trust Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$1-IRA Savings Account

F&M Trust Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.52%*$500k*-Money Management Accounts
OTHER TIERS: 0.35% → $2.5k - $25k | 0.60% → $25k - $50k | 0.85% → $50k - $100k | 1.11% → $100k - $250k | 1.37% → $250k - $500k

F&M Trust Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$2.5k-YourWay Premier Checking

F&M Trust CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%$1k$25k60 Month CD - New Money
2.90%*$25k*$100k36 Month CD - New Money
OTHER TIERS: 2.85% → $1k - $25k
2.65%*$25k*$100k24 Month CD - New Money
OTHER TIERS: 2.60% → $5k - $25k

F&M Trust IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%$1k$25k60 Month IRA - New Money
2.90%*$25k*$100k36 Month IRA - New Money
OTHER TIERS: 2.85% → $1k - $25k
2.65%*$25k*$100k24 Month IRA - New Money
OTHER TIERS: 2.60% → $5k - $25k
Locations

Availability



The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.