Bank · FDIC insured
F&M Bank CD Rates
F&M Bank’s best CD rate is 3.50% APY on a 9-month CD. Terms run from 9 months to 3 years. Rates checked October 16, 2026.
How F&M Bank’s CD rates compare
Compared with banks and credit unions near Toledo, OH, where F&M Bank has the most branches. $10,000, best rate first.
This bank’s best
F&M Bank
3.50%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $261
CD Specials
Top rate
Fremont Federal Credit Union
5.10%APY
- Term
- 84 months
- Minimum
- $1,000
- Earns on $10,000
- $4,165
2nd-highest rate
Educational Community Alliance CU
4.58%APY
- Term
- 48 months
- Minimum
- —
- Earns on $10,000
- $1,962
F&M Bank CD score
76
CD score
Higher than 40% of U.S. banks and credit unions
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.50%
- QualifiedQualified3.50%
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 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.
CD Specials
3.50%APY · 4 terms
FDIC-Insured. At maturity, 9-month auto-renews as 12-month, 18-month auto-renews as 18-month, 27-month auto-renews as 24-month, 36-month auto-renews as 36-month. Subject to early withdrawal penalty. Fees may reduce earnings. Limited time offer.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsAt maturity, the 9 month CD will automatically renew as a 12 month CD. Subject to early withdrawal penalty | 3.50% | $261 |
| 18 monthsAt maturity, the 18 month CD will automatically renew as a 18 month CD. Subject to early withdrawal penalty | 3.50% | $530 |
| 27 monthsAt maturity, the 27 month CD will automatically renew as a 24 month CD. Subject to early withdrawal penalty | 3.50% | $805 |
| 36 monthsAt maturity, the 36 month CD will automatically renew as a 36 month CD. Subject to early withdrawal penalty | 3.50% | $1,087 |
Sources (1)
- fm.bank/personal/bank/savings/certificates-of-deposit · captured Sep 18, 2026
Special-purpose accounts
Fixed IRA
3.50%APY · 2 terms
Fees may reduce earnings. Advertised APY is subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.50% | $350 |
| 26 months | 3.50% | $774 |
Sources (1)
- fm.bank/rates · captured Sep 18, 2026
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.