• Online Banking
• Mobile app with Mobile Deposit
• eStatements

• $100 minimum initial deposit
• No quarterly service charge if your daily balance stays $100 or greater
• Competitive interest rate
• ATM card available
• $2.50 fee per teller withdrawal greater than 6 per quarter
• $10 fee if account is closed within 6 months of opening

• $1 minimum initial deposit
• Pairs with our Sweet Saver Checking account
• No monthly service charge
• Earn interest on both Sweet Saver accounts

• Tiered interest rates for optimal savings
• ATM/Debit card available
• $5 monthly service charge
• $2,500 minimum initial deposit
• Limit of six withdrawals per month ($5 per additional withdrawals/transfers)
  • Transfers and withdrawals made in person at the Bank or by using an ATM do not count towards the 6 per month limit

• No monthly service charge
• $10 minimum initial deposit
• If you require a withdrawal other than your annual payout, you will be required to withdraw the entire balance and will be assessed a $5 early closure fee
• Annual payout can be directly deposited into your FM Bank account
• Payout takes place annually in October

Benefits:

• Guaranteed returns
• Multiple term options
• Automatic renewal at maturity
• $500 minimum opening deposit

With IRAs, securing your retirement is incredibly easy. These retirement accounts are invested safely into Certificates of Deposit.

Great for long-range retirement goals, the Traditional IRA allows you to invest your earned income in a tax-deferred manner. With a traditional IRA, you can invest your pre-tax dollars into a retirement account and earn interest. Your contributions are tax-deductible, depending on your income, tax filing status, and other factors. When you take your distribution, the income is treated as ordinary income and is subject to tax.

Similar to a Traditional IRA, this account is excellent for long term savings goals. However, a Roth IRA is funded with your after-tax dollars, and you are not subject to income tax on qualified distributions.