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Savings, Money Market, CDs & IRAs

Open a Savings, Money Market, CD and IRA Today!

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All Savings & Money Market Accounts Feature:

  • Online Banking
  • Mobile app with Mobile Deposit
  • eStatements
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Choice Statement Savings

A perfect account for those looking to establish or continue growing their savings portfolio.

  • Minimum Opening deposit – $50
  • There is a $7.50 per quarter service charge if the daily balance falls below $250 on any day of the quarter
  • You must maintain a minimum balance of $250 each day to earn interest
  • $3 service charge for each over the counter debit greater than 6 per quarterly statement cycle
  • $10 fee if account is closed within 6 months of opening
  • You may not make any withdrawals by check, draft or debit card
  • Quarterly statement without images
  • ATM card available

Available to consumers age 16+

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Choice Money Market

An account for the experienced saver; an excellent choice for high-balance savings.

  • Minimum Opening deposit – $50
  • $10 service charge per statement cycle if the average daily balance falls below $2,500
  • $8 per debit item greater than 6 per statement cycle
  • Must have an average daily balance or $2,500 per statement cycle to earn interest
  • Tiered interest rates for optimal savings
  • ATM/Debit card available

Available to consumers age 16+

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Christmas Club

A convenient holiday helper, to make for hassle-free holidays.

  • Minimum Opening deposit – $10
  • No monthly service charge
  • 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
  • Payout takes place annually in October
  • Annual payout can be directly deposited into your FM Bank account

Available to consumers age 16+

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Certificates of Deposit

Why a CD? 

Many people choose a CD for flexible term options and the ability to earn interest without being concerned about losing principal balances on the investment.

Benefits:

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

Available to consumers age 16+

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Individual Retirement Accounts

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

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Traditional IRAs

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.

Minimum Opening deposit $500
Available to consumers age 16+

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Roth IRAs

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.

Minimum Opening deposit $500
Available to consumers age 16+

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Choice Health Savings

This health savings account is perfect for those with high deductible health plans.

  • Minimum Opening deposit $50
  • Unlimited transactions
  • Interest Bearing
  • No monthly service charge if average daily balance is $2,500 or greater

Available to consumers age 16+

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