Bank · FDIC insured
F&M Bank Savings Rates
F&M Bank’s best savings rate is 1.03% APY on $10,000, with its Direct Savings. Rates checked October 16, 2026.
How F&M Bank’s savings 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
1.58%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $158
Loyalty Rewards Savings
Top rate
Superior Credit Union
3.95%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $395
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
F&M Bank savings score
87
Savings score
Higher than 76% of U.S. banks and credit unions
- $1,000 balance$1,0001.03%
- $10,000 balance$10,0001.03%
- $100,000 balance$100,0001.13%
- QualifiedQualified1.58%
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 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.
Loyalty Rewards Savings
Up to 1.58%APY
Must have an open Loyalty Rewards Checking or Loyalty Rewards + The Bundler Checking account that remains open throughout holding this account. Linked checking interest automatically transferred to savings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Qualifying rate on daily balances of $100,000 or less when enrolled in eStatements via Online Banking and all three checking qualifiers are met (minimum 20 Debit MasterCard transactions post and settle, minimum $500 direct deposit or ACH debit/credit post and settle, combined total of $25,000 or more in personal deposit accounts/loan relationships). | 1.58% | $158 | Qualifying rate on daily balances of $100,000 or less when enrolled in eStatements via Online Banking and all three checking qualifiers are met (minimum 20 Debit MasterCard transactions post and settle, minimum $500 direct deposit or ACH debit/credit post and settle, combined total of $25,000 or more in personal deposit accounts/loan relationships). |
| Any balanceBase rate paid on entire account balance when Loyalty Rewards Checking or Loyalty Rewards + The Bundler Checking qualifiers have not been met during the monthly statement cycle. | 0.07% | $7 | Base rate paid on entire account balance when Loyalty Rewards Checking or Loyalty Rewards + The Bundler Checking qualifiers have not been met during the monthly statement cycle. |
| $100,000 and upPaid on any portion of daily balance greater than $100,000 when checking account qualifiers and eStatement requirements are met. | 0.07% | — | Paid on any portion of daily balance greater than $100,000 when checking account qualifiers and eStatement requirements are met. |
Sources (1)
- fm.bank/personal/bank/savings · captured Sep 18, 2026
Direct Savings
Up to 1.03%APY
Only available for new customers or deposits of new funds not currently held with F&M Bank. Limit 1 Direct Savings account per household. $3.00 monthly service charge waived if a $300.00 minimum balance is maintained each day during the month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Schedule table rate for balance $0 - $99,999.99. $3.00 monthly service charge waived if $300.00 minimum balance maintained each day. | 1.03% | $103 | Schedule table rate for balance $0 - $99,999.99. $3.00 monthly service charge waived if $300.00 minimum balance maintained each day. |
| Up to $100,000Paid on entire balance for daily balance $99,999.99 or less. $3 monthly fee waived on balances of $300 or more. | 0.97% | $97 | Paid on entire balance for daily balance $99,999.99 or less. $3 monthly fee waived on balances of $300 or more. |
| Up to $100,000Footnote prose rate for daily balance $99,999.99 or less. $3.00 monthly service charge waived if $300.00 minimum balance maintained each day. | 0.92% | $92 | Footnote prose rate for daily balance $99,999.99 or less. $3.00 monthly service charge waived if $300.00 minimum balance maintained each day. |
| $100,000 – $250,000Schedule table rate for balance $100,000.00 - $249,999.99. $3.00 monthly service charge waived if $300.00 minimum balance maintained each day. | 1.13% | — | Schedule table rate for balance $100,000.00 - $249,999.99. $3.00 monthly service charge waived if $300.00 minimum balance maintained each day. |
| $100,000 – $250,000Paid on entire balance for daily balance $100,000.00 - $249,999.99. $3 monthly fee waived on balances of $300 or more. | 1.08% | — | Paid on entire balance for daily balance $100,000.00 - $249,999.99. $3 monthly fee waived on balances of $300 or more. |
| $100,000 – $250,000Footnote prose rate for daily balance $100,000.00-$249,999.99. $3.00 monthly service charge waived if $300.00 minimum balance maintained each day. | 1.03% | — | Footnote prose rate for daily balance $100,000.00-$249,999.99. $3.00 monthly service charge waived if $300.00 minimum balance maintained each day. |
| $250,000 – $500,000Schedule table rate for balance $250,000.00 - $499,999.99. $3.00 monthly service charge waived if $300.00 minimum balance maintained each day. | 1.34% | — | Schedule table rate for balance $250,000.00 - $499,999.99. $3.00 monthly service charge waived if $300.00 minimum balance maintained each day. |
| $250,000 – $500,000Paid on entire balance for daily balance $250,000.00 - $499,999.99. $3 monthly fee waived on balances of $300 or more. | 1.29% | — | Paid on entire balance for daily balance $250,000.00 - $499,999.99. $3 monthly fee waived on balances of $300 or more. |
| $250,000 – $500,000Footnote prose rate for daily balance $250,000.00-$499,999.99. $3.00 monthly service charge waived if $300.00 minimum balance maintained each day. | 1.24% | — | Footnote prose rate for daily balance $250,000.00-$499,999.99. $3.00 monthly service charge waived if $300.00 minimum balance maintained each day. |
| $500,000 and upSchedule table rate for balance $500,000.00 and over. $3.00 monthly service charge waived if $300.00 minimum balance maintained each day. | 1.46% | — | Schedule table rate for balance $500,000.00 and over. $3.00 monthly service charge waived if $300.00 minimum balance maintained each day. |
| $500,000 and upPaid on entire balance for daily balance $500,000.00 or more. $3 monthly fee waived on balances of $300 or more. | 1.41% | — | Paid on entire balance for daily balance $500,000.00 or more. $3 monthly fee waived on balances of $300 or more. |
| $500,000 and upFootnote prose rate for daily balance $500,000.00 or greater. $3.00 monthly service charge waived if $300.00 minimum balance maintained each day. | 1.36% | — | Footnote prose rate for daily balance $500,000.00 or greater. $3.00 monthly service charge waived if $300.00 minimum balance maintained each day. |
Statement Savings Account
0.02%APY
A $3.00 monthly service charge will be charged if a $300 minimum balance is not maintained each day during the month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$3.00 monthly fee waived on daily balances of $300 or more.Any balance | 0.02% | $2 | $3.00 monthly fee waived on daily balances of $300 or more. |
Sources (1)
- fm.bank/personal/bank/savings · 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.