F&M Trust

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

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

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

4.44%

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

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 26^th largest bank in the state of Pennsylvania. It is also the 535^th 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

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	8405
Year Established	1906
Employees	313
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.81%
Return on Equity - YTD	11.55%
Annual Interest Income	$27.6MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$2.26B$2.01B
Loans	Q1 2025vs Q1 2024	$1.44B$1.26B
Deposits	Q1 2025vs Q1 2024	$1.88B$1.57B
Equity Capital	Q1 2025vs Q1 2024	$160.8MM$142.9MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$18.4MM$16.5MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$273K$495K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

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

4.44%

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

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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Money Market
Checking
CD
IRA

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* 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

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$2.5k	-	YourWay Premier Checking

F&M Trust CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.00%	$1k	$25k	60 Month CD - New Money
2.90%^*	$25k^*	$100k	36 Month CD - New Money
OTHER TIERS: 2.85% → $1k - $25k
2.65%^*	$25k^*	$100k	24 Month CD - New Money
OTHER TIERS: 2.60% → $5k - $25k

F&M Trust IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.00%	$1k	$25k	60 Month IRA - New Money
2.90%^*	$25k^*	$100k	36 Month IRA - New Money
OTHER TIERS: 2.85% → $1k - $25k
2.65%^*	$25k^*	$100k	24 Month IRA - New Money
OTHER TIERS: 2.60% → $5k - $25k
0.05%	$1	-	IRA Savings Account

Locations

Availability

Harrisburg Area

Harrisburg Area bank & credit union details

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