Bank · FDIC insured
F&M Bank Savings Rates
F&M Bank’s best savings rate is 3.00% APY, with its BonuSelect Saver, with extra requirements. Rates checked October 15, 2026.
How F&M Bank’s savings rates compare
Compared with banks and credit unions near Oklahoma City, OK, where F&M Bank has the most branches. $10,000, best rate first.
This bank’s best
F&M Bank
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $300
BonuSelect Saver
Top rate
MidFirst Bank
4.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $400
2nd-highest rate
Communication Federal Credit Union
3.75%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $375
F&M Bank savings score
70
Savings score
Higher than 27% of U.S. banks and credit unions
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0000.01%
- $100,000 balance$100,0000.01%
- QualifiedQualified3.00%
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.
BonuSelect Saver
Up to 3.00%APY
Links to BonuSelect Checking or BonuSelect Cash Back Checking. Automatic transfers of checking rewards. To earn highest rate: enroll in eStatements and make at least 15 debit card purchases per monthly qualification cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $20,000Applies to balances less than $20,001 when qualifications are met. | 3.00% | $300 | Applies to balances less than $20,001 when qualifications are met. |
| Any balanceBase rate when monthly qualifications are not met. | 0.01% | $1 | Base rate when monthly qualifications are not met. |
| $20,001 and upBalances equal to or greater than $20,001 earn 0.11% APY (resulting in 3.00% to 0.11% APY depending on average daily balance) when qualifications are met. | 0.11% | — | Balances equal to or greater than $20,001 earn 0.11% APY (resulting in 3.00% to 0.11% APY depending on average daily balance) when qualifications are met. |
Sources (2)
All 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.