Bank · FDIC insured
F&M Bank and Trust Company CD Rates
F&M Bank and Trust Company’s best CD rate is 4.06% APY on a 2-year CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How F&M Bank and Trust Company’s CD rates compare
Compared with banks and credit unions near Hannibal, MO, where F&M Bank and Trust Company has the most branches. $10,000, best rate first.
This bank’s best
F&M Bank and Trust Company
4.06%APY
- Term
- 24 months
- Minimum
- $5,000
- Earns on $10,000
- $828
Certificates of Deposit (CDs)
Top rate
Great Rivers Bank
4.25%APY
- Term
- 18 months
- Minimum
- —
- Earns on $10,000
- $644
2nd-highest rate
HomeBank
4.11%APY
- Term
- 14 months
- Minimum
- $2,500
- Earns on $10,000
- $481
F&M Bank and Trust Company CD score
85
CD score
Higher than 71% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo3.80%
- 16–30 months16–30 mo4.06%
- 31–60 months31–60 mo2.02%
- QualifiedQualified4.06%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where F&M Bank and Trust Company ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit (CDs)
Up to 4.06%APY · 12 terms
Interest on CDs accrues daily and is compounded quarterly. A penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month30 day term. The minimum to open is the minimum balance to obtain the APY | 0.05% | $0 |
| 3 months91 day term. The minimum to open is the minimum balance to obtain the APY | 0.05% | $1 |
| 3 monthsIn-House Special. 91 day term. The minimum to open is the minimum balance to obtain the APY | 3.85% | $95 |
| 6 months6 month term. The minimum to open is the minimum balance to obtain the APY | 0.15% | $7 |
| 6 monthsIn-House Special. 6 month term. The minimum to open is the minimum balance to obtain the APY | 3.80% | $188 |
| 11 monthsIn-House Special. 11 month term. The minimum to open is the minimum balance to obtain the APY | 3.80% | $348 |
| 12 months12 month term. The minimum to open is the minimum balance to obtain the APY | 0.25% | $25 |
| 18 months18 month term. The minimum to open is the minimum balance to obtain the APY | 0.30% | $45 |
| 18 monthsIn-House Special. 18 month term. The minimum to open is the minimum balance to obtain the APY | 3.85% | $583 |
| 24 months24 month term. The minimum to open is the minimum balance to obtain the APY | 0.50% | $100 |
| 24 monthsIn-House Special. 24 month term. The minimum to open is the minimum balance to obtain the APY | 4.06% | $828 |
| 30 months30 month term. The minimum to open is the minimum balance to obtain the APY | 0.75% | $189 |
| 36 months36 month term. The minimum to open is the minimum balance to obtain the APY | 1.26% | $383 |
| 42 months42 month term. The minimum to open is the minimum balance to obtain the APY | 1.51% | $539 |
| 48 months48 month term. The minimum to open is the minimum balance to obtain the APY | 1.76% | $723 |
| 60 months60 month term. The minimum to open is the minimum balance to obtain the APY | 2.02% | $1,052 |
Special-purpose accounts
Growing Tree CD
1.51%APY · 1 term
Designed especially for children. Any child 16 years old or younger can open a Growing Tree CD with an adult joint owner. Additional deposits can be made anytime in increments of $25. Interest accrues daily and is compounded quarterly. A penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsGrowing Tree 24 month term. The minimum to open is the minimum balance to obtain the APY. Additional deposits can be made anytime in increments of $25 | 1.51% | $304 |
Individual Retirement Accounts (IRAs)
Up to 1.51%APY · 6 terms
Competitive fixed rates. Maturities range in terms from 12 months to 42 months. Interest on IRAs accrues daily and is compounded quarterly. A penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months12 month term. The minimum to open is the minimum balance to obtain the APY | 0.25% | $25 |
| 18 months18 month term. The minimum to open is the minimum balance to obtain the APY | 0.30% | $45 |
| 24 months24 month term. The minimum to open is the minimum balance to obtain the APY | 0.50% | $100 |
| 30 months30 month term. The minimum to open is the minimum balance to obtain the APY | 0.75% | $189 |
| 36 months36 month term. The minimum to open is the minimum balance to obtain the APY | 1.26% | $383 |
| 42 months42 month term. The minimum to open is the minimum balance to obtain the APY | 1.51% | $539 |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.