F&M Bank & Trust CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 4.10%, 6-month CD rates at 3.89% and 3-month CD rates at 1.65%. Current savings rates are at 0.10% and money market rates are at 0.10%. Mortgage rates today on 30-year fixed loans are around 6.54%. Credit Card rates are at 18.00%. Personal Loan rates are at 9.99%. All these rates, and more, can be found in our database of rates. F&M Bank & Trust's 24-Month CD rates are at 3.19%, 12-Month CD rates are at 3.09%, 48-Month CD rates are at 2.83%, 36-Month CD rates are at 2.83%, 60-Month CD rates are at 2.83%. F&M Bank & Trust's savings rates are at 0.01%.

F&M Bank & Trust

To see how these rates compare to F&M Bank & Trust CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from F&M Bank & Trust, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with F&M Bank & Trust CD rates. You can also compare F&M Bank & Trust savings rates, MMA rates and mortgage rates using our other rate lists.

F&M Bank & Trust money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at F&M Bank & Trust? Share your experience about F&M Bank & Trust by leaving a review below, or read customer reviews before you decide to use F&M Bank & Trust.

F&M Bank & Trust Texas Ratio

F&M Bank & Trust's Texas Ratio is at 8.56%, which is considered excellent. The Texas Ratio for F&M Bank & Trust is higher than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, F&M Bank & Trust is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
3.09%
18-Month CD
N/A
24-Month CD
3.19%
36-Month CD
2.83%
48-Month CD
2.83%
60-Month CD
2.83%
Savings
0.01%
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
F&M Bank & Trust
1644 Ludington St
Marinette, WI 54143
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

F&M Bank & Trust CD Rates and Interest Rates

Bank
Product
APY
Min Dep
F&M Bank & Trust
F&M Bank & Trust
24-Month CD
3.19%
$2,500
F&M Bank & Trust
F&M Bank & Trust
12-Month CD
3.09%
$2,500
F&M Bank & Trust
F&M Bank & Trust
36-Month CD
2.83%
$2,500
F&M Bank & Trust
F&M Bank & Trust
48-Month CD
2.83%
$2,500
F&M Bank & Trust
F&M Bank & Trust
60-Month CD
2.83%
$2,500
F&M Bank & Trust
F&M Bank & Trust
6-Month CD
1.52%
$2,500
F&M Bank & Trust
F&M Bank & Trust
Statement Savings
0.01%
$50
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare F&M Bank & Trust Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Napoleon State Bank
Napoleon State Bank
6-Month CD
4.15%
$1,000
First Federal S&L Newark, OH
First Federal S&L Newark, OH
12-Month CD
4.06%
$500
F&M Bank Miamisburg, OH
F&M Bank Miamisburg, OH
Kasasa Checking
4.00%
$25
Beacon Community Bank
Beacon Community Bank
18-Month CD
3.95%
$250
Great Plains State Bank
Great Plains State Bank
12-Month CD
3.85%
$500
Lincoln FSB of Nebraska
Lincoln FSB of Nebraska
12-Month CD
3.75%
$5,000
Coleman County State Bank
Coleman County State Bank
12-Month CD
3.61%
$1,000
Union Bank Morrisville, VT
Union Bank Morrisville, VT
48-Month CD
3.61%
$500
ESSA Bank & Trust
ESSA Bank & Trust
36-Month CD
3.60%
$1,000
Academic Federal Credit Union
Academic Federal Credit Union
24-Month CD
3.56%
$1,000
FNB of Wyoming
FNB of Wyoming
6-Month CD
3.53%
$100
Bell Bank
Bell Bank
6-Month CD
3.53%
$500
The Valley State Bank
The Valley State Bank
48-Month CD
3.45%
$500
Citizens Federal S&LA
Citizens Federal S&LA
18-Month CD
3.41%
$500
Saco & Biddeford Savings
Saco & Biddeford Savings
18-Month CD
3.35%
$500
Lake Central Bank
Lake Central Bank
36-Month CD
3.34%
$1,000
Haviland State Bank
Haviland State Bank
24-Month CD
3.30%
$500
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
48-Month CD
3.30%
$100
Adirondack Bank
Adirondack Bank
6-Month CD
3.25%
$1,000
First Federal S&L of McMinnville
First Federal S&L of McMinnville
18-Month CD
3.25%
$500
Pentucket Bank
Pentucket Bank
48-Month CD
3.00%
$500
Farmers State Bank Yale, IA
Farmers State Bank Yale, IA
36-Month CD
2.78%
$500
Grove Bank
Grove Bank
48-Month CD
2.57%
$1,000
TFB Tecumseh Federal Bank
TFB Tecumseh Federal Bank
48-Month CD
2.52%
$500
Unison Bank
Unison Bank
36-Month CD
2.50%
$2,500
Exchange State Bank Ames, IA
Exchange State Bank Ames, IA
60-Month CD
2.00%
$1,000
Forward Bank
Forward Bank
48-Month CD
1.81%
$500
1st Ed Credit Union
1st Ed Credit Union
36-Month CD
1.70%
$500
SSB Scott State Bank
SSB Scott State Bank
60-Month CD
1.51%
$1,000
Advantage Credit Union Newtown, IA
Advantage Credit Union Newtown, IA
Money Market
1.51%
$5,000
Fidelity State Bank and Trust Company
Fidelity State Bank and Trust Company
36-Month CD
1.36%
$1,000
Great Plains State Bank
Great Plains State Bank
Savings
1.25%
$10
Yampa Valley Bank
Yampa Valley Bank
Premier Money Market
1.05%
$2,000
First Bank Waverly, IA
First Bank Waverly, IA
12-Month CD
1.00%
$1,000
Catskill Hudson Bank
Catskill Hudson Bank
60-Month CD
0.75%
$500
Winter Hill Bank
Winter Hill Bank
60-Month CD
0.75%
$500
The Middlefield Banking Company
The Middlefield Banking Company
30-Month CD
0.65%
$500
Ion Bank
Ion Bank
36-Month CD
0.60%
$500
WaterStone Bank
WaterStone Bank
Ultimate Money Market
0.40%
$5,000
Farmers State Bank of Alto Pass, Ill.
Farmers State Bank of Alto Pass, Ill.
18-Month CD
0.30%
$1,000
Lewis & Clark Bank
Lewis & Clark Bank
24-Month CD
0.30%
$500
MidCountry Bank
MidCountry Bank
Money Market
0.30%
$50
Complex Community Federal Credit Union
Complex Community Federal Credit Union
Regular Savings
0.25%
$100
Citizens Bank & Trust Co. MN
Citizens Bank & Trust Co. MN
Money Market Checking
0.20%
$100
The Community State Bank
The Community State Bank
Money Market
0.20%
$2,500
Pennsville National Bank
Pennsville National Bank
12-Month CD
0.20%
$500
Winter Hill Bank
Winter Hill Bank
6-Month CD
0.20%
$500
First National Bank in Trinidad
First National Bank in Trinidad
Money Market
0.10%
$0
Unity Bank
Unity Bank
Prosperity Plus Checking
0.05%
$100
Hawaii National Bank
Hawaii National Bank
V.I.P. Money Market
0.05%
$2,000
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates July 12, 2025

Lender
Product
Rate
APR
Points
3.990%
4.357%
0.750
4.250%
4.514%
0.750
4.500%
4.685%
0.750
5.560%
5.250%
0.000
15 Year Fixed
5.300%
5.390%
0.000
5.250%
5.491%
0.000
5.300%
5.494%
0.000
4.750%
5.507%
0.000
5.375%
5.525%
0.750
5.000%
5.531%
0.000
5.250%
5.545%
1.000
5.500%
5.569%
0.000
5.500%
5.614%
0.000
5.250%
5.629%
2.000
5.500%
5.637%
0.000
5.625%
5.693%
0.000
5.500%
5.728%
1.125
30-Year Fixed
5.560%
5.730%
0.000
5.500%
5.759%
0.000
15-Year Fixed Jumbo
5.750%
5.776%
0.000
15-Year Fixed
5.500%
5.785%
0.000
5.250%
5.791%
2.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

F&M Bank & Trust Information

F&M Bank & Trust
1644 Ludington St
Marinette, WI 54143
Marinette
Established Date: 12/02/1902
FDIC Certificate #: 10382
Date of FDIC Deposit Insurance: 01/02/1934
Bank Holding Company: F&M BANKSHARES INC
How Many Domestic U.S. Offices? 3
How Many Branches are There? 3
Is F&M Bank & Trust FDIC Insured? Yes
What is F&M Bank & Trust's Cert number? 10382
What is the maximum amount for insured deposits? $250,000 per holder, per account

F&M Bank & Trust Financials

Total Assets:
$165,722,000
Total Deposits:
$141,651,000
Equity Capital:
$13,340,000
Domestic Deposits:
$141,651,000
Net Income:
$239,000
Return on Assets:
0.2448%
Quarterly Return on Assets:
0.5800%
Pretax Return on Assets:
0.6867%
Pretax Quarterly Return on Assets:
0.6900%
Return on Equity:
3.2300%
Quarterly Return on Equity:
7.1600%
Common Equity Tier 1 Capital Ratio:
15.9459%
Tier 1 Risk-Based Capital Ratio:
15.9459%
Leverage Tier 1 (Core Capital) Ratio:
10.6456%
Total Risk-Based Capital Ratio (YTD):
17.0292%
Total Interest Income (YTD):
4.2713%
 
 
Headquarters:
Marinette
FDIC Field Office:
Appleton
Regulator:
FDIC
County:
Marinette
# of Offices:
3
Metropolitan Statistical Area (MSA):
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Central
FDIC Region:
Chicago
Source: FDIC Last Updated 03/31/2024

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