Bank · FDIC insured
F&M Bank and Trust Company Savings Rates
F&M Bank and Trust Company’s best savings rate is 0.05% APY on $10,000, with its Statement Savings. Rates checked October 16, 2026.
How F&M Bank and Trust Company’s savings 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
0.05%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $5
Statement Savings
Top rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
2nd-highest rate
HomeBank
1.16%APY
- Requires
- None
- Minimum
- $50
- Earns on $10,000 a year
- $116
F&M Bank and Trust Company savings score
62
Savings score
Higher than 6% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.05%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Money Market Deposit Account (MMDA)
0.02%APY
$1,000 minimum to earn interest. interest accrues daily and is compounded monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $2,500Tier 1; $1,000 minimum to earn interest; interest accrues daily and is compounded monthly. | 0.02% | — | Tier 1; $1,000 minimum to earn interest; interest accrues daily and is compounded monthly. |
| $2,500 – $20,000Tier 2; $1,000 minimum to earn interest; interest accrues daily and is compounded monthly. | 0.02% | $2 | Tier 2; $1,000 minimum to earn interest; interest accrues daily and is compounded monthly. |
| $20,000 – $50,000Tier 3; $1,000 minimum to earn interest; interest accrues daily and is compounded monthly. | 0.05% | — | Tier 3; $1,000 minimum to earn interest; interest accrues daily and is compounded monthly. |
| $50,000 and upTier 4; $1,000 minimum to earn interest; interest accrues daily and is compounded monthly. | 0.10% | — | Tier 4; $1,000 minimum to earn interest; interest accrues daily and is compounded monthly. |
Sources (1)
- bankfm.com/Personal/Deposit-Rates · captured Sep 24, 2026
Statement Savings
0.05%APY
Interest rate varies and may change after account opening. $5 maintenance fee per quarter waived with $100 minimum balance each quarter.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and up$250 minimum balance to earn interest. Interest accrues daily and is compounded quarterly.$250 and up | 0.05% | $5 | $250 minimum balance to earn interest. Interest accrues daily and is compounded quarterly. |
Special-purpose accounts
Christmas Club
0.05%APY
Interest rate varies and may change after account opening. Funds are paid out each year in mid-October for the balance plus any earned interest; early account closure forfeits earned interest.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and up$5 minimum balance to earn interest. Interest accrues daily and is compounded annually.$5 and up | 0.05% | $5 | $5 minimum balance to earn interest. Interest accrues daily and is compounded annually. |
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.