F&M Bank of St. Clair CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 4.96%, 6-month CD rates at 0.51% and 3-month CD rates at 0.90%. Current savings rates are at 0.10% and money market rates are at 2.80%. Mortgage rates today on 30-year fixed loans are around 6.76%. Credit Card rates are at 13.24%. Personal Loan rates are at 10.50%. All these rates, and more, can be found in our database of rates. F&M Bank of St. Clair's 10-Month CD rates are at 5.00%, 24-Month CD rates are at 3.52%, 60-Month CD rates are at 1.05%, 48-Month CD rates are at 0.95%, 36-Month CD rates are at 0.85%. F&M Bank of St. Clair's savings rates are at 0.20%. F&M Bank of St. Clair's money market rates are at 0.45%.

F&M Bank of St. Clair

To see how these rates compare to F&M Bank of St. Clair CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from F&M Bank of St. Clair, 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 of St. Clair CD rates. You can also compare F&M Bank of St. Clair savings rates, MMA rates and mortgage rates using our other rate lists.

F&M Bank of St. Clair 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 of St. Clair? Share your experience about F&M Bank of St. Clair by leaving a review below, or read customer reviews before you decide to use F&M Bank of St. Clair.

F&M Bank of St. Clair Texas Ratio

F&M Bank of St. Clair's Texas Ratio is at 0.51%, which is considered excellent. The Texas Ratio for F&M Bank of St. Clair is lower than the national average of all banks, currently at 6.24%. 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 of St. Clair 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
0.60%
18-Month CD
N/A
24-Month CD
3.52%
36-Month CD
0.85%
48-Month CD
0.95%
60-Month CD
1.05%
Savings
0.20%
MMA
0.45%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
F&M Bank of St. Clair
959 N Commercial Ave
Saint Clair, MO 63077
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

F&M Bank of St. Clair CD Rates and Interest Rates

Bank
Product
APY
Min Dep
F&M Bank of St. Clair
F&M Bank of St. Clair
10-Month CD
5.00%
$500
F&M Bank of St. Clair
F&M Bank of St. Clair
Your Choice Checking - Rewards <-$15K
5.00%
$100
F&M Bank of St. Clair
F&M Bank of St. Clair
24-Month CD
3.52%
$500
F&M Bank of St. Clair
F&M Bank of St. Clair
60-Month CD
1.05%
$500
F&M Bank of St. Clair
F&M Bank of St. Clair
48-Month CD
0.95%
$500
F&M Bank of St. Clair
F&M Bank of St. Clair
36-Month CD
0.85%
$500
F&M Bank of St. Clair
F&M Bank of St. Clair
12-Month CD
0.60%
$500
F&M Bank of St. Clair
F&M Bank of St. Clair
Money Market Premium MMDA
0.45%
$100,000
F&M Bank of St. Clair
F&M Bank of St. Clair
6-Month CD
0.42%
$500
F&M Bank of St. Clair
F&M Bank of St. Clair
Statement Savings Account
0.20%
$100
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 of St. Clair Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
State Bank of Texas
State Bank of Texas
12-Month CD
5.40%
$50,000
Waterman Bank
Waterman Bank
8-Month CD
5.35%
$0
Credit Human Federal Credit Union
Credit Human Federal Credit Union
6-Month CD (Certificate)
5.25%
$500
Modern Bank
Modern Bank
Money Market High Yield
5.20%
$100,000
PSECU
PSECU
12-Month CD
5.15%
$500
Communitywide Federal Credit Union
Communitywide Federal Credit Union
12-Month CD
5.15%
$1,000
New Republic Bank
New Republic Bank
18-Month CD special
5.09%
$25,000
The Andover Bank
The Andover Bank
6-Month CD
5.00%
$1,000
Busey Bank
Busey Bank
Premium Savings Account
4.80%
$100,000
First National Bank in Marlow
First National Bank in Marlow
24v
4.05%
$500
Farmers State Bank of Underwood
Kasasa Cash Checking
4.00%
$0
First National Bank of Bemidji
First National Bank of Bemidji
48-Month CD
3.98%
$500
FSB of Rosemount
FSB of Rosemount
96-Month CD
3.80%
$500
First State Bank of Beecher City
First State Bank of Beecher City
IRA Accounts
3.55%
$100
North Shore Bank Co-op
24-Month CD
3.50%
$1,000
Firstrust Savings Bank
Firstrust Savings Bank
59-Month CD special
3.25%
$2,500
Conway National Bank (CNB)
Conway National Bank (CNB)
48-Month CD
3.20%
$500
Pathfinder Bank
Pathfinder Bank
Cash Management Sweep Account
3.00%
$0
Zions Bank
Zions Bank
24-Month CD
2.53%
$1,000
State Bank & Trust Company
State Bank & Trust Company
36-Month CD
2.52%
$1,000
American Commerce Bank, N.A.
American Commerce Bank, N.A.
60-Month CD
2.50%
$500
Sloan State Bank
Sloan State Bank
24-Month CD
2.27%
$1,000
Savers Co-operative Bank
Savers Co-operative Bank
Ka-Ching Checking
2.00%
$10
First Citizens State Bank
First Citizens State Bank
18-Month CD
1.55%
$1,000
Canton Co-operative Bank
Canton Co-operative Bank
24-Month CD
1.51%
$1,000
United Bank Zebulon, GA
United Bank Zebulon, GA
18-Month CD
1.51%
$500
Vast Bank
Vast Bank
3-Month CD
1.50%
$1,000
Glen Burnie MSB
36-Month CD
1.26%
$500
Midland Community Bank
Midland Community Bank
48-Month CD
1.10%
$1,000
Community National Bank (VT)
Community National Bank (VT)
48-Month CD
0.90%
$2,500
Liberty Bank Liberty, IL
Liberty Bank Liberty, IL
3-Month CD
0.50%
$500
Cincinnatus S&L Co.
Cincinnatus S&L Co.
48-Month CD
0.50%
$500
PSB Wellsburg, IA
PSB Wellsburg, IA
Regular Savings
0.49%
$50
PSB Provident Savings Bank
PSB Provident Savings Bank
24-Month CD
0.48%
$1,000
Bank of Zachary
Bank of Zachary
Checking Account e-Z NOW
0.45%
$1,500
Altoona First Savings Bank
Altoona First Savings Bank
48-Month CD
0.45%
$1,000
Spring Valley City Bank
18-Month CD
0.35%
$1,000
Bank of Luxemburg
Bank of Luxemburg
Star Savings Account
0.25%
$10
The Valley State Bank
The Valley State Bank
12-Month CD
0.25%
$500
Henderson FSB
Henderson FSB
Freedom Checking
0.20%
$500
Midland Community Bank
Midland Community Bank
Savings Account
0.20%
$100
GSB Guilford Savings Bank
60-Month CD
0.20%
$1,000
Adirondack Trust Company
Adirondack Trust Company
12-Month CD
0.20%
$500
American Bank of Beaver Dam
American Bank of Beaver Dam
Interest-Bearing Checking
0.10%
$100
Milford Bank
Milford Bank
12-Month CD
0.10%
$1,000
Union Federal S&L
Savings Account
0.10%
$100
Home Loan SB
Home Loan SB
Statement Savings
0.07%
$100
Milford Bank
Milford Bank
6-Month CD
0.05%
$1,000
Northwestern Bank
Northwestern Bank
Keystone High Yield Savings
0.02%
$10,000
Cambridge Trust Company
Cambridge Trust Company
3-Month CD
0.01%
$1,000
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 April 22, 2024

Lender
Product
Rate
APR
Points
4.500%
4.666%
0.000
4.650%
4.766%
0.000
4.990%
5.287%
0.500
5.500%
5.570%
0.000
5.500%
5.614%
0.000
10-Year Power Rate Fixed
5.954%
5.625%
0.000
15-Year Fixed
5.625%
5.681%
0.000
5.500%
5.716%
0.500
15-Year Power Rate Fixed
5.974%
5.750%
0.000
5.625%
5.777%
0.500
5.500%
5.820%
0.000
5.750%
5.834%
0.000
5.500%
5.868%
2.000
5.750%
5.883%
0.500
5.750%
5.886%
0.000
6.000%
5.892%
0.000
10-Year Fixed (LTV 90% or less)
5.675%
5.894%
0.000
5.625%
5.909%
1.000
5.750%
5.946%
0.250
5.875%
5.958%
0.000
5.875%
5.958%
0.000
5-Year ARM (LTV 80% or less)
6.250%
5.963%
0.000
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 of St. Clair Information

F&M Bank of St. Clair
959 N Commercial Ave
Saint Clair, MO 63077
Franklin
Established Date: 05/02/1913
FDIC Certificate #: 14056
Date of FDIC Deposit Insurance: 03/12/1934
Bank Holding Company: SAINT CLAIR BANCSHARES INC
How Many Domestic U.S. Offices? 4
How Many Branches are There? 4
Is F&M Bank of St. Clair FDIC Insured? Yes
What is F&M Bank of St. Clair's Cert number? 14056
What is the maximum amount for insured deposits? $250,000 per holder, per account

F&M Bank of St. Clair Financials

Total Assets:
$337,762,000
Total Deposits:
$304,582,000
Equity Capital:
$29,369,000
Domestic Deposits:
$304,582,000
Net Income:
$709,000
Return on Assets:
1.0404%
Quarterly Return on Assets:
0.8500%
Pretax Return on Assets:
1.0637%
Pretax Quarterly Return on Assets:
1.0600%
Return on Equity:
10.9000%
Quarterly Return on Equity:
9.8400%
Common Equity Tier 1 Capital Ratio:
14.7167%
Tier 1 Risk-Based Capital Ratio:
14.7167%
Leverage Tier 1 (Core Capital) Ratio:
10.5648%
Total Risk-Based Capital Ratio (YTD):
15.5465%
Total Interest Income (YTD):
3.8545%
 
 
Headquarters:
Saint Clair
FDIC Field Office:
St. Louis
Regulator:
FDIC
County:
Franklin
# of Offices:
4
Metropolitan Statistical Area (MSA):
St. Louis, MO-IL
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
West
FDIC Region:
Kansas City
Source: FDIC

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