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F&M Trust


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 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
Bonus Amount
up to $300
Our Rating
4.2  / 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 26th largest bank in the state of Pennsylvania. It is also the 535th largest bank in the nation. It was established in 1906 and as of March of 2025, it had grown to 313 employees at 25 locations. F&M Trust's money market rates are 3X the national average, and it has an A health rating.

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #8405
Year Established1906
Employees313
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.81%
Return on Equity - YTD11.55%
Annual Interest Income$27.6MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$2.26B$2.01B
LoansQ1 2025vs Q1 2024$1.44B$1.26B
DepositsQ1 2025vs Q1 2024$1.88B$1.57B
Equity CapitalQ1 2025vs Q1 2024$160.8MM$142.9MM
Loan Loss AllowanceQ1 2025vs Q1 2024$18.4MM$16.5MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$273K$495K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 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
Bonus Amount
up to $300
Our Rating
4.2  / 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
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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 Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%*$500k*-Money Management Accounts
OTHER TIERS: 0.10% → $2.5k - $25k | 0.35% → $25k - $50k | 0.60% → $50k - $100k | 1.00% → $100k - $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
0.05%$1-IRA Savings Account
Locations

Availability

Harrisburg Area

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