Personal Savings
Regular Savings
- Save up for future purchases or an emergency fund
- Grow your funds with competitive interest
- Access your money when you need it with 6 free withdrawals
Holiday Club
- Save for the holiday spending season ahead of time
- Earn interest on the money you set aside
- No monthly service charge or minimum balance requirements1
Junior Savers
- Teach your child the basics of saving with a hands-on account
- Earns competitive interest
- No monthly service charge or minimum balance requirements1
Savings-Link Overdraft Protection
- Protect your balance and credit from overdrafts
- Links directly to an F&M checking account
- Automatically transfers funds if you ever make an overdraft
Money Market Account
- Maximize your earnings with competitive rates
- Maintain access to your funds with direct check writing and 6 free withdrawals a month
Certificates of Deposit (CDs)
- Save with fixed rates that beat standard savings
- Choose from a wide range of terms; the longer it is, the higher your rate
- No setup or maintenance fees required1
Individual Retirement Accounts (IRAs)
- Prepare for your retirement with rates above regular savings
- Earn competitive interest and enjoy tax advantages
- Traditional or Roth IRA options available