F&M Bank & Trust Burlington, IA Rates and Review February 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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F&M Bank & Trust Burlington, IA's 19-Month Special CD rates are at 1.15%, 60-Month CD rates are at 0.77%, 7-Month Special CD rates are at 0.65%, 48-Month CD rates are at 0.50%, 36-Month CD rates are at 0.37%. F&M Bank & Trust Burlington, IA's savings rates are at 0.25%.
Rate Updates and AvailabilityF&M Bank & Trust Burlington, IA 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 Burlington, IA? Share your experience about F&M Bank & Trust Burlington, IA by leaving a review below, or read customer reviews before you decide to use F&M Bank & Trust Burlington, IA. F&M Bank & Trust Burlington, IA Texas RatioF&M Bank & Trust Burlington, IA's Texas Ratio is at 2.08%, which is considered excellent. The Texas Ratio for F&M Bank & Trust Burlington, IA is lower 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. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
F&M Bank & Trust Burlington, IA has earned a Smart Rating of 5.0 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Overall, F&M Bank & Trust Burlington, IA is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. 
F&M Bank & Trust Burlington, IA CD Rates
F&M Bank & Trust Burlington, IA Savings Rates
F&M Bank & Trust Burlington, IA Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for F&M Bank & Trust Burlington, IA is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather F&M Bank & Trust Burlington, IA rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with F&M Bank & Trust Burlington, IA's official website for the most current offers and terms.
Bank Profile & OverviewF&M Bank & Trust Burlington, IA
221 Jefferson StBurlington, IA 52601 Des Moines Established Date: 01/01/1916 FDIC Certificate #: 13737 Date of FDIC Deposit Insurance: 01/24/1934 Bank Holding Company: FARMERS&MERCHANTS BANCSHARES How Many Domestic U.S. Offices? 4 How Many Branches are There? 4 Website: https://www.fmbanktrust.bank
Is F&M Bank & Trust Burlington, IA FDIC Insured? Yes
What is F&M Bank & Trust Burlington, IA 's Cert number? 13737
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsTotal Assets:
$248,468,000
Total Deposits:
$215,146,000
Equity Capital:
$11,306,000
Net Income:
$208,000
Return on Assets (ROA):
-0.0566%
Return on Equity (ROE):
-1.4100%
Headquarters:
Burlington
Regulator:
FDIC
# of Offices:
4
Source: FDIC | Last Updated 03/31/2024
Customer ReviewsbqvO
December 17, 2025
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Frequently Asked Questions About F&M Bank & Trust Burlington, IAHow do I open an account at F&M Bank & Trust Burlington, IA?You can typically open an account at F&M Bank & Trust Burlington, IA by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, F&M Bank & Trust Burlington, IA provides a range of mortgage and home equity products. Is F&M Bank & Trust Burlington, IA a safe place to deposit money?Yes, F&M Bank & Trust Burlington, IA is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does F&M Bank & Trust Burlington, IA offer online and mobile banking?Most modern institutions like F&M Bank & Trust Burlington, IA provide digital access including online balance checks and transfers. Compare to other Banks |
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