F&M Union Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 3.56%, 6-month CD rates at 3.55% and 3-month CD rates at 2.27%. Current savings rates are at 0.75% and money market rates are at 0.05%. Mortgage rates today on 30-year fixed loans are around 6.88%. Credit Card rates are at 16.25%. Personal Loan rates are at 17.90%. All these rates, and more, can be found in our database of rates. F&M Union Bank's 12-Month CD rates are at 3.68%, 60-Month CD rates are at 3.58%, 48-Month CD rates are at 3.53%, 36-Month CD rates are at 3.48%, 24-Month CD rates are at 3.38%. F&M Union Bank's savings rates are at 0.75%.

F&M Union Bank

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

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

F&M Union Bank Texas Ratio

F&M Union Bank's Texas Ratio is at 0.00%, which is considered excellent. The Texas Ratio for F&M Union Bank is lower than the national average of all banks, currently at 6.13%. 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 Union Bank 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
3.68%
18-Month CD
3.33%
24-Month CD
3.38%
36-Month CD
3.48%
48-Month CD
3.53%
60-Month CD
3.58%
Savings
0.75%
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
F&M Union Bank
159 W James St
Columbus, WI 53925
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

F&M Union Bank CD Rates and Interest Rates

Bank
Product
APY
Min Dep
F&M Union Bank
12-Month CD
3.68%
$1,000
F&M Union Bank
60-Month CD
3.58%
$1,000
F&M Union Bank
48-Month CD
3.53%
$100
F&M Union Bank
36-Month CD
3.48%
$1,000
F&M Union Bank
24-Month CD
3.38%
$1,000
F&M Union Bank
18-Month CD
3.33%
$1,000
F&M Union Bank
Statement Savings
0.75%
$0
F&M Union Bank
Interest Checking
0.30%
$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.

Compare F&M Union Bank Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Paramount Bank
Paramount Bank
12-Month CD
4.00%
$1,000
NCS Bank
NCS Bank
18-Month CD
3.80%
$500
American State Bank (TX)
American State Bank (TX)
24-Month CD
3.70%
$1,000
The Golden 1 Credit Union
The Golden 1 Credit Union
48-Month CD
3.65%
$500
KodaBank
KodaBank
6-Month CD
3.58%
$1,000
Freedom Bank Columbia Falls, MT
Freedom Bank Columbia Falls, MT
6-Month CD
3.56%
$10,000
Security Bank USA
Security Bank USA
6-Month CD
3.55%
$500
The Bank of Steinauer
The Bank of Steinauer
12-Month CD
3.55%
$500
The Antwerp Exchange Bank Company
The Antwerp Exchange Bank Company
12-Month CD
3.50%
$500
Parke Bank
Parke Bank
24-Month CD
3.50%
$500
City Credit Union
City Credit Union
48-Month CD
3.45%
$1,000
Central State Bank State Center, IA
Central State Bank State Center, IA
36-Month CD
3.43%
$1,500
Compass Savings Bank
Compass Savings Bank
60-Month CD
3.30%
$500
Haviland State Bank
Haviland State Bank
48-Month CD
3.30%
$500
BankChampaign
BankChampaign
12-Month CD
3.25%
$500
Bank of Prague
Bank of Prague
24-Month CD
3.12%
$1,000
Exchange Bank and Trust Company
Exchange Bank and Trust Company
12-Month CD
3.08%
$1,000
Integrity Bank & Trust
Integrity Bank & Trust
60-Month CD
3.03%
$500
F&M Bank Miamisburg, OH
F&M Bank Miamisburg, OH
18-Month CD
3.03%
$1,000
United Republic Bank
United Republic Bank
36-Month CD
3.00%
$1,000
Security Bank Minnesota
Security Bank Minnesota
48-Month CD
2.55%
$1,000
Unison Bank
Unison Bank
36-Month CD
2.50%
$2,500
Gateway Bank Mendota Heights, MN
Gateway Bank Mendota Heights, MN
18-Month CD
2.40%
$1,000
Timberland Bank
Timberland Bank
48-Month CD
2.02%
$500
Regent Bank (OK)
Regent Bank (OK)
120-Month CD
2.00%
$1,000
CNB Bank Berkeley Springs, WV
CNB Bank Berkeley Springs, WV
18-Month CD
2.00%
$500
Brattleboro S&L
Brattleboro S&L
36-Month CD
2.00%
$500
BAC Community Bank
BAC Community Bank
Diamond Checking
1.98%
$25
Lindell Bank & Trust Company
Lindell Bank & Trust Company
24-Month CD
1.50%
$1,000
Colonial Savings, F.A.
Colonial Savings, F.A.
60-Month CD
1.13%
$1,000
First FSB of Kentucky
First FSB of Kentucky
36-Month CD
1.00%
$500
FNB of Brookfield
FNB of Brookfield
6-Month CD
1.00%
$1,000
Security State Bank of Marine
Security State Bank of Marine
60-Month CD
1.00%
$300
Stock Exchange Bank, Caldwell, KS
Stock Exchange Bank, Caldwell, KS
3-Month CD
0.75%
$500
FirstOak Bank
FirstOak Bank
6-Month CD
0.60%
$500
Hancock County SB
Hancock County SB
24-Month CD
0.60%
$500
Community Bank of Raymore
Community Bank of Raymore
Kasasa Checking
0.51%
$25
Farmers State Bank of Underwood
Saver Rewards Savings
0.50%
$50
Brenham National Bank
Brenham National Bank
12-Month CD
0.50%
$1,000
United Minnesota Bank
United Minnesota Bank
6-Month CD
0.50%
$500
Bank of Greene County
Bank of Greene County
30-Month CD
0.35%
$1,000
The Bank of Tescott
The Bank of Tescott
3-Month CD
0.31%
$1,000
Henderson FSB
Henderson FSB
Statement Savings
0.30%
$0
Pioneer Bank Albany, NY
Pioneer Bank Albany, NY
12-Month CD
0.30%
$500
Farmers State Bank of Western Illinois
Farmers State Bank of Western Illinois
Premium Checking
0.25%
$1,000
FNB in Taylorville
FNB in Taylorville
NOW Checking
0.20%
$500
Community Bank Delaware
Community Bank Delaware
Safe Harbor Savings
0.10%
$100
Manasquan Bank
Manasquan Bank
Regular Savings
0.10%
$20
PSB of Rhineland
PSB of Rhineland
Money Market
0.10%
$2,500
Port Washington State Bank
Port Washington State Bank
Savings
0.01%
$1
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 July 16, 2025

Lender
Product
Rate
APR
Points
3.990%
4.357%
0.750
4.250%
4.514%
0.750
4.500%
4.685%
0.750
5.560%
5.250%
0.000
15 Year Fixed
5.300%
5.390%
0.000
5.250%
5.491%
0.000
5.300%
5.494%
0.000
4.750%
5.507%
0.000
5.375%
5.525%
0.750
5.000%
5.531%
0.000
5.250%
5.545%
1.000
5.500%
5.569%
0.000
5.500%
5.614%
0.000
5.250%
5.629%
2.000
5.500%
5.637%
0.000
5.625%
5.693%
0.000
5.500%
5.728%
1.125
30-Year Fixed
5.560%
5.730%
0.000
5.500%
5.759%
0.000
15-Year Fixed Jumbo
5.750%
5.776%
0.000
15-Year Fixed
5.500%
5.785%
0.000
5.250%
5.791%
2.000
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 Union Bank Information

F&M Union Bank
159 W James St
Columbus, WI 53925
Columbia
Established Date: 09/05/1861
FDIC Certificate #: 14445
Date of FDIC Deposit Insurance: 06/05/1934
Bank Holding Company: JEWEL BOX FINL SERVICES INC
How Many Domestic U.S. Offices? 6
How Many Branches are There? 6
Is F&M Union Bank FDIC Insured? Yes
What is F&M Union Bank's Cert number? 14445
What is the maximum amount for insured deposits? $250,000 per holder, per account

F&M Union Bank Financials

Total Assets:
$509,099,000
Total Deposits:
$400,764,000
Equity Capital:
$67,101,000
Domestic Deposits:
$400,764,000
Net Income:
$2,742,000
Return on Assets:
2.3658%
Quarterly Return on Assets:
2.2100%
Pretax Return on Assets:
2.5768%
Pretax Quarterly Return on Assets:
2.5800%
Return on Equity:
18.8000%
Quarterly Return on Equity:
16.6100%
Common Equity Tier 1 Capital Ratio:
18.1660%
Tier 1 Risk-Based Capital Ratio:
18.1660%
Leverage Tier 1 (Core Capital) Ratio:
15.3054%
Total Risk-Based Capital Ratio (YTD):
19.4443%
Total Interest Income (YTD):
4.8490%
 
 
Headquarters:
Columbus
FDIC Field Office:
Madison
Regulator:
FDIC
County:
Columbia
# of Offices:
6
Metropolitan Statistical Area (MSA):
Madison, WI
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Central
FDIC Region:
Chicago
Source: FDIC Last Updated 03/31/2024

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Bank CD rates have been horrible the past several years and rates will stay low for the foreseeable future thanks to the Federal Reserve keeping a lid on rates to help revive the economy. The current average 12 month CD rate in the state of Florida is at 0.70 percent. The FDIC's national average 12 month CD rate is even less at 0.28 percent.

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F&M Union Bank Reviews

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