Bank · FDIC insured
F&M Bank CD Rates
F&M Bank’s best CD rate is 2.78% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How F&M Bank’s CD rates compare
Compared with banks and credit unions near Harrisonburg, VA, where F&M Bank has the most branches. $10,000, best rate first.
This bank’s best
F&M Bank
4.06%APY
- Term
- 13 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $441
13-Month CD Special
Top rate
Merck Employees Federal Credit Union
4.35%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $660
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $317
F&M Bank CD score
71
CD score
Higher than 30% of U.S. banks and credit unions
- 3–8 months3–8 mo2.52%
- 9–15 months9–15 mo3.80%
- 16–30 months16–30 mo2.78%
- 31–60 months31–60 mo2.52%
- 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 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.
13-Month CD Special
Up to 4.06%APY · 1 term
Limited-time special. Minimum deposit of $1,000 required. Additional 0.25% rate increase (earning 4.06% APY) available when paired with a qualifying F&M Bank primary checking account (Money Market Accounts do not qualify). Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsRequires pairing with a qualifying F&M Bank primary checking account. Money Market Accounts do not qualify | 4.06% | $441 |
| 13 monthsStandard base rate without relationship checking account | 3.80% | $412 |
Sources (2)
All captured Oct 15, 2026
Certificates of Deposit (CD)
Up to 2.78%APY · 8 terms
Early withdrawal penalties apply. Standard CDs receive a 0.25% interest rate bump when paired with an accompanying qualifying F&M Bank primary checking account (Money Market Accounts do not qualify).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.27% | $56 |
| 6 monthsTerm is 182 days | 2.52% | $125 |
| 9 months | 2.63% | $197 |
| 12 months | 2.78% | $278 |
| 24 months | 2.78% | $564 |
| 36 months | 2.52% | $775 |
| 48 months | 2.02% | $833 |
| 60 months | 1.91% | $992 |
12 Month Penalty Free CD
2.52%APY · 1 term
Allows one penalty-free withdrawal after six months. Penalty-free early withdrawal exception applies. Standard rate increase of 0.25% available with an accompanying primary checking account (Money Market Accounts do not qualify).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.52% | $252 |
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.