What are the current interest rates at F&M Bank & Trust Burlington, IA?

Current rates for F&M Bank & Trust Burlington, IA include: 12-Month CD: 0.21%, 18-Month CD: 0.25%, 24-Month CD: 0.28%, 36-Month CD: 0.37%, 48-Month CD: 0.50%, 60-Month CD: 0.77%, Savings: 0.10%

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F&M Bank & Trust Burlington, IA

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F&M Bank & Trust Burlington, IA Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, F&M Bank & Trust Burlington, IA provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 19, 2026

F&M Bank & Trust Burlington, IA's 19-Month Certificate Special rates are at 1.15%, 60-Month CD rates are at 0.77%, 7-Month Certificate Special 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 0.10%. MonitorBankRates evaluates the financial stability of F&M Bank & Trust Burlington, IA with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.15%. Rates last updated and verified on 09/19/2026.

F&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.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

12.15%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

F&M Bank & Trust Burlington, IA

221 Jefferson St
Burlington, IA 52601

https://www.fmbanktrust.bank

F&M Bank & Trust Burlington, IA CD Rates

Product	Rate	APY	Term
19 Month Certificate Special	1.15%	1.15%	19 Month
Min Deposit $500 Details Auto-Renew for 18 Months Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.15%
60 Month CD	0.77%	0.77%	60 Month
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.15%
7 Month Certificate Special	0.65%	0.65%	7 Month
Min Deposit $500 Details Auto-Renew for 6 Months Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.15%
48 Month CD	0.50%	0.50%	48 Month
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.15%
36 Month CD	0.37%	0.37%	36 Month
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.15%
30 Month CD	0.32%	0.32%	30 Month
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.15%
24 Month CD	0.28%	0.28%	24 Month
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.15%
18 Month CD	0.25%	0.25%	18 Month
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.15%
12 Month CD	0.21%	0.21%	12 Month
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.15%
9 Month CD	0.20%	0.20%	9 Month
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.15%
6 Month CD	0.19%	0.19%	6 Month
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.15%
3 Month CD	0.14%	0.14%	3 Month
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.15%

F&M Bank & Trust Burlington, IA Savings Rates

Product	Rate	APY
HEALTH SAVINGS	0.25%	0.25%
Details Family or Individual Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.15%
F&M MYWAY SAVINGS	0.10%	0.10%
Min Deposit $100 Details Renamed from Regular Savings Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.15%

F&M Bank & Trust Burlington, IA Checking Rates

Product	Rate	APY
F&M Extreme Checking	0.15%	0.15%
Min Deposit $100 Details Daily Available Balance $2,500.00 or greater Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.15%
F&M Extreme Checking	0.10%	0.10%
Min Deposit $100 Details Daily Available Balance up to $2,499.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.15%

F&M Bank & Trust Burlington, IA Other Rates

Product	Rate	Points	APY/APR
F&M 50+	0.05%	-	0.05%
Min Deposit $100 Min Balance $500 Details Daily Available Balance of $500.00 or greater Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.15%
F&M Business Interest	0.15%	-	0.15%
Min Deposit $5,000 Min Balance $5,000 Details Daily Available Balance of $5,000.00 or greater Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.15%
F&M CAMPUS	10.00%	-	10.47%
Min Deposit $100 Details Daily Available Balance up to $500.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.15%
F&M DREAM BIG	0.40%	-	0.40%
Min Deposit $50 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.15%
F&M Interest	5.00%	-	5.12%
Min Deposit $100 Details Daily Available Balance up to $1,000.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.15%
F&M YOUNG FARMERS	2.00%	-	2.02%
Min Deposit $50 Details Daily Available Balance up to $3,000.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.15%
IRA Variable	0.10%	-	0.10%
Min Deposit $500 Details tied to savings Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.15%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

F&M Bank & Trust Burlington, IA’s Texas Ratio rose from 2.08% in Q3 2023 to 12.15% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 1.6 to 5.0 and its Health Grade from D to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$208M	12.15%	5.0	A
March 31, 2026	$211M	12.79%	5.0	A
December 31, 2025	$213M	7.26%	5.0	A
September 30, 2025	$213M	9.44%	5.0	A
June 30, 2025	$213M	9.96%	5.0	A
March 31, 2025	$215M	2.89%	4.5	A
December 31, 2024	$216M	1.38%	3.8	B
September 30, 2024	$239M	1.79%	3.9	B+
June 30, 2024	$237M	2.14%	2.9	C+
March 31, 2024	$248M	2.93%	2.6	C
December 31, 2023	$234M	4.96%	2.7	C
September 30, 2023	$235M	2.08%	1.6	D

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 & Overview

Institution Name F&M Bank & Trust Burlington, IA

Bank Holding Company FARMERS&MERCHANTS BANCSHARES

Address 221 Jefferson St, Burlington, IA 52601 · Des Moines

Website https://www.fmbanktrust.bank

FDIC Certificate # 13737

Established 19160101

FDIC Insurance Date 19340124

Domestic Offices 4

Total Branches 4

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 94/100

5.0

Exceptional Out of 5.0 Stars

12.15%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9147%

Return on Equity (ROE) 11.2500%

Non-Performing Loans (NPL) 1.03%

Total Assets $208,229,000

Total Deposits $187,024,000

Equity Capital $17,616,000

Net Income $963,000

Headquarters Burlington

Total Branches and Offices 4

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

F&M Bank & Trust Burlington, IA earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About F&M Bank & Trust Burlington, IA

How many branches does F&M Bank & Trust Burlington, IA operate?

F&M Bank & Trust Burlington, IA currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, F&M Bank & Trust Burlington, IA does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, F&M Bank & Trust Burlington, IA provides members with tools to manage their accounts and build a solid financial history.

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. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fmbanktrust.bank.