|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 F&M Trust Company of Chambersburg Rates & Review November 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.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: November 5, 2026
F&M Trust Company of Chambersburg's 60-month CD rates are at 2.35%, 36-month CD rates are at 2.10%, 24-month CD rates are at 1.90%. F&M Trust Company of Chambersburg's savings rates are at 0.05%. F&M Trust Company of Chambersburg's Personal Loan Rates are as low as 11.75%. F&M Trust Company of Chambersburg's top CD rate of 2.35% APY on a 5 year CD is 20% lower than the MonitorBankRates national average of 2.93% APY for that term, and it has an A health rating. MonitorBankRates evaluates the financial stability of F&M Trust Company of Chambersburg with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.19%. Rates last updated and verified on 11/05/2026. F&M Trust Company of Chambersburg 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 Trust Company of Chambersburg? Share your experience about F&M Trust Company of Chambersburg by leaving a review below, or read customer reviews before you decide to use F&M Trust Company of Chambersburg. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. F&M Trust Company of Chambersburg CD Rates
F&M Trust Company of Chambersburg Savings Rates
F&M Trust Company of Chambersburg Personal Loan Rates
F&M Trust Company of Chambersburg Other Rates
Financial Health HistoryF&M Trust Company of Chambersburg’s Texas Ratio rose from 0.19% in Q3 2023 to 9.19% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 4.7 to 5.0. 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)
Powered by
MonitorBankRates
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
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for F&M Trust Company of Chambersburg 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 Trust Company of Chambersburg 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 Trust Company of Chambersburg's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
F&M Trust Company of Chambersburg
Website
https://www.fmtrust.bank
Address
20 S Main St,
Chambersburg, PA 17201 · Franklin
Bank Holding Company
FRANKLIN FINL SERVICES CORP
FDIC Certificate #
8405
Regulator
FDIC
Established
January 10, 1906
FDIC Insurance Date
January 1, 1934
Domestic Offices
25
Total Branches
25
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
9.19%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.2651%
Return on Equity (ROE)
15.3700%
Non-Performing Loans Ratio (NPL)
0.76%
Total Assets
$2,336,081,000
Total Deposits
$1,925,463,000
Equity Capital
$192,902,000
Net Income
$14,493,000
Headquarters
Chambersburg
Total Branches and Offices
25
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
There are no reviews for F&M Trust Company of Chambersburg yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for F&M Trust Company of Chambersburg
Frequently Asked Questions About F&M Trust Company of ChambersburgDoes F&M Trust Company of Chambersburg offer CDs?Yes. F&M Trust Company of Chambersburg current CD rates include its 60-month CD at 2.35% APY, its 36-month CD at 2.10% APY and its 24-month CD at 1.90% APY, verified by MonitorBankRates as of November 5, 2026. Are CDs from F&M Trust Company of Chambersburg FDIC insured?Yes. F&M Trust Company of Chambersburg is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at F&M Trust Company of Chambersburg?The highest F&M Trust Company of Chambersburg CD rate is its 60-month CD at 2.35% APY, verified by MonitorBankRates as of November 5, 2026. What CD terms does F&M Trust Company of Chambersburg offer?F&M Trust Company of Chambersburg CD rates are 1.90% APY for a 2 year CD, 2.10% APY for a 3 year CD and 2.35% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with F&M Trust Company of Chambersburg for its full lineup. What is the highest savings rate at F&M Trust Company of Chambersburg?The highest F&M Trust Company of Chambersburg savings rate is its IRA Savings Accounts at 0.05% APY, verified by MonitorBankRates as of November 5, 2026. What is the lowest personal loan rate at F&M Trust Company of Chambersburg?The lowest F&M Trust Company of Chambersburg personal loan rate is its Personal Line of Credit at 11.75% APR, verified by MonitorBankRates as of November 5, 2026. How many branches does F&M Trust Company of Chambersburg operate?F&M Trust Company of Chambersburg currently maintains approximately 25 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 Trust Company of Chambersburg 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 Trust Company of Chambersburg provides members with tools to manage their accounts and build a solid financial history. Does F&M Trust Company of Chambersburg offer online and mobile banking?Most modern institutions like F&M Trust Company of Chambersburg 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.fmtrust.bank. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do F&M Trust Company of Chambersburg rates compare?F&M Trust Company of Chambersburg's top CD rate of 2.35% APY on a 5 year CD is 20% lower than the MonitorBankRates national average of 2.93% APY for that term, and it has an A health rating. F&M Trust Company of Chambersburg's top rates are its 60-month CD at 2.35% APY, its IRA Savings Accounts at 0.05% APY and its Personal Line of Credit at 11.75% APR, verified by MonitorBankRates on November 5, 2026. Current F&M Trust Company of Chambersburg Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Banks
Farmers State Bank of Canton
First F&M Bank Columbia, TN
NexTier Bank
RBMAX
Bank of Montana
Hebron Savings Bank
Volunteer Federal Savings Bank
Ivy Bank
Bank of Kilmichael
Woori America Bank
Neffs National Bank
Sovereign Bank
Community First Bank Boscobel, WI
Interamerican Bank
Bank of Oak Ridge NC
Woodforest National Bank
Bank of Louisiana
Bank of Greene County
Stockgrowers State Bank of Ashland, KS
Savings Bank Circleville, OH
Harford Bank
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
