What are the current interest rates at F&M Bank Upperco, MD?

Current rates for F&M Bank Upperco, MD include: 12-Month CD: 1.00%, 18-Month CD: 0.50%, 24-Month CD: 0.50%, 60-Month CD: 0.60%, Savings: 0.05%, MMA: 0.03%

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F&M Bank Upperco, MD

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F&M Bank Upperco, MD Rates & Review September 2026

Q: How many branches does F&M Bank Upperco, MD operate?

F&M Bank Upperco, MD currently maintains approximately 9 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, F&M Bank Upperco, MD 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, F&M Bank Upperco, MD 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 Upperco, MD's 13-Month CD Special rates are at 4.00%, 7-Month CD Special rates are at 3.50%, 12-Month Certificate rates are at 1.00%, 60-Month Certificate rates are at 0.60%, 18-Month Certificate rates are at 0.50%. F&M Bank Upperco, MD's savings rates are at 0.05%. F&M Bank Upperco, MD's money market rates are at 0.03%. MonitorBankRates evaluates the financial stability of F&M Bank Upperco, MD with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.10%. Rates last updated and verified on 09/19/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.10%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

F&M Bank Upperco, MD

15226 Hanover Pike
Upperco, MD 21155

https://www.fmb1919.bank

F&M Bank Upperco, MD CD Rates

Product	Rate	APY	Term
13 Month CD Special	3.92%	4.00%	13 Month
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
7 Month CD Special	3.44%	3.50%	7 Month
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
12 Month Certificate	0.99%	1.00%	12 month
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
60 Month Certificate	0.60%	0.60%	60 month
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
18 Month Certificate	0.50%	0.50%	18 month
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
24 Month Certificate	0.50%	0.50%	24 month
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
30 Month Certificate	0.50%	0.50%	30 month
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
6 Month Certificate	0.45%	0.45%	6 month
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
3 Month Certificate	0.35%	0.35%	3 month
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%

F&M Bank Upperco, MD Savings Rates

Product	Rate	APY	View More
Savings Account	0.05%	0.05%
Min Deposit $25 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%

F&M Bank Upperco, MD Money Market Rates

Product	Rate	APY
Insured Money Market	-	0.07%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Insured Money Market	-	0.05%
Min Deposit $25 Min Balance $2,500 Details Balance: $2,500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Insured Money Market	-	0.03%
Min Deposit $25 Details Balance: N/A Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%

F&M Bank Upperco, MD Checking Rates

Product	Rate	APY
Prime of Your Life Checking	0.05%	0.05%
Min Deposit $25 Min Balance $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
NOW Checking	0.03%	0.03%
Min Deposit $25 Min Balance $600 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%

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 Upperco, MD’s Texas Ratio fell from 3.09% in Q3 2023 to 2.10% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold 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 Grade

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	$874M	2.10%	5.0	A+
March 31, 2026	$863M	2.26%	5.0	A+
December 31, 2025	$872M	2.21%	5.0	A+
September 30, 2025	$870M	5.59%	5.0	A+
June 30, 2025	$842M	4.81%	5.0	A+
March 31, 2025	$817M	5.52%	5.0	A+
December 31, 2024	$845M	2.35%	5.0	A+
September 30, 2024	$818M	2.31%	5.0	A+
June 30, 2024	$798M	2.48%	5.0	A+
March 31, 2024	$794M	2.91%	5.0	A+
December 31, 2023	$800M	2.93%	5.0	A+
September 30, 2023	$757M	3.09%	5.0	A+

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 Upperco, MD 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 Upperco, MD 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 Upperco, MD's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name F&M Bank Upperco, MD

Bank Holding Company FARMERS&MERCHANTS BANCSHARES

Address 15226 Hanover Pike, Upperco, MD 21155 · Baltimore

Website https://www.fmb1919.bank

FDIC Certificate # 1895

Established 19190101

FDIC Insurance Date 19340101

Domestic Offices 9

Total Branches 9

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.10%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9662%

Return on Equity (ROE) 10.8400%

Non-Performing Loans (NPL) 0.00%

Total Assets $874,465,000

Total Deposits $725,713,000

Equity Capital $79,489,000

Net Income $4,203,000

Headquarters Upperco

Total Branches and Offices 9

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

F&M Bank Upperco, MD 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.

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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About F&M Bank Upperco, MD

How many branches does F&M Bank Upperco, MD operate?

F&M Bank Upperco, MD currently maintains approximately 9 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 Upperco, MD 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 Upperco, MD provides members with tools to manage their accounts and build a solid financial history.

Does F&M Bank Upperco, MD offer online and mobile banking?

Most modern institutions like F&M Bank Upperco, MD 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.fmb1919.bank.