F&M Bank and Trust Company: Savings Accounts, CDs, Money Market & Rates

Updated: 8/21/2026

Mission: Banksparency aims to make F&M Bank and Trust Company's deposit accounts transparent and comparable to the market.

Interest rates reported as APY

Analysis of F&M Bank and Trust Company

Our verdict

CD Analysis

F&M Bank and Trust Company offers CDs paying up to 4.06% APY on its 24 months term, across 12 term lengths.

Tracking 23 active CD products, useful for locking in today's rate before further moves at the Fed.

Best CD use: locking in 4.06% APY for a 24 months term and laddering across multiple maturities.

F&M Bank and Trust Company also offers Money Market Deposit Account, a money market account paying 0.10% APY with a $2,500 minimum deposit.

At 0.10% APY, F&M Bank and Trust Company pays below the national money market average of 0.63%.

Additional Accounts

Statement Savings, a savings account at 0.05% APY.
Christmas Club, a club savings account at 0.05% APY.

Ideal User Profile

Best for: simple saving without extra requirements.

Important Considerations

Christmas Club is a club savings account. Designed for scheduled deposits toward a set payout date.

No app ratings available for this bank.

iOS app rating is not available.

Android app rating is not available.

Deposit Accounts Overview

Christmas Club

Savings

0.05% APY

Min: $5 Branch Access

Rank #276 of 337 tracked.

No withdrawals are allowed. Funds are paid out each year in mid-October. Interest earned is forfeited if the account is closed early.

Statement Savings

Savings

0.05% APY

Min: $100 Branch Access

Rank #277 of 337 tracked.

Money Market Deposit Account

Money Market

0.10% APY

Tiered Range: 0.02% - 0.10%

Min: $2,500 Branch Access

$2,500 is required to open the account. The lowest rate tier starts at $1,000.

Market Reality Check

This institution offers rates below the top 10 savings and money market accounts we track. Those institutions all pay at least 4.01% APY.

See Top Rates

National Avg: 0.38% (FDIC, 8/1/2026).
Banksparency tracks live rates daily.

Bank Overview

HQ LocationHannibal, MO
Deposit InsuranceFDIC Insured(Cert: 30595)

Visit Official Website

Featured Offers

Axos ONE - High Yield Savings & Checking

Over 95,000 fee-free ATMs
Get paid up to 2 days early with Direct Deposit
One convenient app for spending & saving

FDIC Insured

Savings4.21%APY

Checking0.51%APY

Go to Axos Bank

FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	0
Min. Balance in Savings Account	0
How to qualify for APY	OPTION ADirect Deposit $1,500+ AND Maintain $1,500+ avg daily checking balance. OR OPTION BDeposit $5,000+ total/mo AND Maintain $5,000+ avg daily checking balance.
Mobile Ratings	iOS:4.7 Android:4.5

The APY is available with the Axos ONE savings and checking bundle. The checking account also earns interest. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000.

EASY TRANSFERS, LOW MINIMUMS

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FDIC Insured

Quontic High Yield Savings

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FDIC Insured

Savings3.20%APY

Go to Quontic Bank

FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	10000
Min. Balance in Savings Account	0
Mobile Ratings	iOS:4.8 Android:4.9

Deposit Accounts: In-Depth View

Savings Accounts Offered by F&M Bank and Trust Company

Feature	Statement Savings	Christmas Club
APY	0.05%Verified: 8/21/2026	0.05%Verified: 8/21/2026
APY Trend	N/A	N/A
Min. Deposit	$100	$5
Min. Balance	$250	$5
Monthly Fee	N/A	N/A
Direct Deposit	None	None
Checking Bundle	No	No
In-Branch Access	Yes	Yes
Compounding	Quarterly	Annually
FDIC Insured	Yes	Yes
Eligibility	United States	United States
Important	-	No withdrawals are allowed. Funds are paid out each year in mid-October. Interest earned is forfeited if the account is closed early.
Next Steps	-	-

Interactive Tool

Calculate Savings for F&M Bank and Trust Company

All calculations are based on APY.

Choose savings account

Initial deposit

Recurring deposit

Frequency

Duration

Savings Breakdown

Interest Earned
+$18.60(0.1%)
Total Contributions
$13,000
Initial Deposit
$1,000

Projected Balance

$14,018.60

Effective APY

0.05%

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

F&M Bank and Trust Company Deposit Rates Over Time

No historical data available.

Compare with F&M Bank and Trust Company

Feature	Current View F&M Bank and Trust Company	Empty Slot
Product		-
APY	0.05%Verified: 8/21/2026	-
APY Trend	N/A	-
Min. Deposit	$100	N/A
Monthly Fee	N/A	-
Direct Deposit	No	-
Checking Bundle	No	-
In-Branch Access	Yes	-
Eligibility	United States	-
Compounding	Quarterly	-
FDIC or NCUA Insured	Yes	-
Next Steps	-	-

CD Overview

4.06% Highest APY

Across 23 CD products with terms: 1 months, 3 months, 6 months, 12 months, 60 months, 18 months, 24 months, 30 months, 36 months, 42 months, 48 months, 11 months

CD Products Offered by F&M Bank and Trust Company

Feature	30 Day CD 1 months	91 Day CD 3 months	91 Day CD Special 3 months	6 Month CD 6 months	6 Month CD Special 6 months	11 Month CD Special 11 months	12 Month CD 12 months	12 Month IRA CD 12 months	18 Month CD 18 months	18 Month IRA CD 18 months	18 Month CD Special 18 months	24 Month CD 24 months	Growing Tree 24 Month CD 24 months	24 Month IRA CD 24 months	24 Month CD Special 24 months	30 Month CD 30 months	30 Month IRA CD 30 months	36 Month CD 36 months	36 Month IRA CD 36 months	42 Month CD 42 months	42 Month IRA CD 42 months	48 Month CD 48 months	60 Month CD 60 months
APY	0.05%Verified: 8/21/2026	0.05%Verified: 8/21/2026	3.85%Verified: 8/21/2026	0.15%Verified: 8/21/2026	3.80%Verified: 8/21/2026	3.80%Verified: 8/21/2026	0.25%Verified: 8/21/2026	0.25%Verified: 8/21/2026	0.30%Verified: 8/21/2026	0.30%Verified: 8/21/2026	3.85%Verified: 8/21/2026	0.50%Verified: 8/21/2026	1.51%Verified: 8/21/2026	0.50%Verified: 8/21/2026	4.06%Verified: 8/21/2026	0.75%Verified: 8/21/2026	0.75%Verified: 8/21/2026	1.26%Verified: 8/21/2026	1.26%Verified: 8/21/2026	1.51%Verified: 8/21/2026	1.51%Verified: 8/21/2026	1.76%Verified: 8/21/2026	2.02%Verified: 8/21/2026
Term	1 months	3 months	3 months	6 months	6 months	11 months	12 months	12 months	18 months	18 months	18 months	24 months	24 months	24 months	24 months	30 months	30 months	36 months	36 months	42 months	42 months	48 months	60 months
Min. Deposit	$5,000	$5,000	$5,000	$5,000	$5,000	$5,000	$5,000	$2,500	$5,000	$2,500	$5,000	$5,000	$100	$2,500	$5,000	$5,000	$2,500	$5,000	$2,500	$5,000	$2,500	$5,000	$5,000
Early Withdrawal	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FDIC Insured	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes

F&M Bank and Trust Company CD Rates Over Time

Not enough rate history to show a chart. We have CD rates for this bank from one day only. The chart shows when we collect more data.

Money Market Accounts Offered by F&M Bank and Trust Company

Feature	Money Market Deposit Account
APY	0.10%Range: 0.02% - 0.10%Verified: 8/21/2026
Min. Deposit	$2,500
Min. Balance	$1,000
Monthly Fee	N/A
Direct Deposit	None
In-Branch Access	Yes
Compounding	Monthly
FDIC Insured	Yes
Eligibility	United States
Important	$2,500 is required to open the account. The lowest rate tier starts at $1,000.