F&M Trust


Overview / Commentary
717-264-6116
20 South Main Street
Chambersburg, PA 17201

F&M Trust is headquartered in Chambersburg and is the 28th largest bank in the state of Pennsylvania. It is also the 595th largest bank in the nation. It was established in 1906 and as of June of 2022, it had grown to 285 employees at 23 locations. F&M Trust's money market rates are 25% higher than the national average, and it has a B+ health rating.

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Health
B+

Health Grade Components

Overall
FDIC Certificate #8405
Year Established1906
Employees285
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.86%
Return on Equity - YTD10.98%
Annual Interest Income$25.6MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$1.83B$1.68B
LoansQ2 2022vs Q2 2021$1.02B$989.5MM
DepositsQ2 2022vs Q2 2021$1.70B$1.51B
Equity CapitalQ2 2022vs Q2 2021$124.3MM$149.9MM
Loan Loss AllowanceQ2 2022vs Q2 2021$15.0MM$15.1MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$5.7MM$8.8MM
Real Estate OwnedQ2 2022vs Q2 2021$0$0
Rates
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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
0.10%$1-IRA Savings Account

F&M Trust Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.55%*$500k*-Money Management Accounts
OTHER TIERS: 0.25% $2.5k - $25k | 0.35% $25k - $50k | 0.40% $50k - $100k | 0.45% $100k - $250k | 0.50% $250k - $500k

F&M Trust Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$1.5k-YourWay Premier Checking

F&M Trust CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$25k*$100k36 Month CD
OTHER TIERS: 0.95% $1k - $25k
0.90%*$25k*$100k24 Month CD
OTHER TIERS: 0.85% $5k - $25k

F&M Trust IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$25k*$100k36 Month IRA
OTHER TIERS: 0.95% $1k - $25k
0.90%*$25k*$100k24 Month IRA
OTHER TIERS: 0.85% $5k - $25k
Locations

Availability



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