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F&M Trust Company of Chambersburg

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F&M Trust Company of Chambersburg Rates & Review April 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 23, 2026

You can compare F&M Trust Company of Chambersburg rates to other rates in our database, including 12-month CD rates currently at 1.00%, 6-month CD rates at 3.46% and 3-month CD rates at 0.85%. Savings rates are at 3.95% and money market rates are at 2.15%. Mortgage rates on 30-year fixed loans are around 7.13%. All these rates can be compared to F&M Trust Company of Chambersburg rates. 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 0.19%. Rates were last updated on 04/23/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.19%

Excellent Lower than avg

F&M Trust Company of Chambersburg

20 S Main St
Chambersburg, PA 17201

https://www.fmtrust.bank

Current Rate Availability

We do not have F&M Trust Company of Chambersburg rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates 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

Institution Name F&M Trust Company of Chambersburg

Bank Holding Company FRANKLIN FINL SERVICES CORP

Address 20 S Main St, Chambersburg, PA 17201 · Franklin

Website https://www.fmtrust.bank

FDIC Certificate # 8405

Established 01/10/1906

FDIC Insurance Date 01/01/1934

Domestic Offices 25

Total Branches 25

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.19%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8873%

Return on Equity (ROE) 12.4300%

Non-Performing Loans (NPL) 0.01%

Total Assets $2,239,135,000

Total Deposits $1,836,236,000

Equity Capital $184,524,000

Net Income $23,958,000

Headquarters Chambersburg

Total Offices 25

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About F&M Trust Company of Chambersburg

Is F&M Trust Company of Chambersburg a safe place to deposit money?

Yes, F&M Trust Company of Chambersburg is considered a safe financial institution. With a Texas Ratio of 0.18531066066924%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

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.