Bank · FDIC insured
F&M Bank Savings Rates
F&M Bank’s best savings rate is 2.55% APY on $10,000, with its F&M Money Market. Rates checked October 22, 2026.
How F&M Bank’s savings 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
2.55%APY
- Requires
- None
- Minimum
- $10
- Earns on $10,000 a year
- $255
F&M Money Market
Top rate
Pendleton Community Bank
3.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $300
2nd-highest rate
Blue Ridge Bank
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $100
- Earns on $10,000 a year
- $300
F&M Bank savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0002.55%
- $10,000 balance$10,0002.55%
- $100,000 balance$100,0002.60%
- QualifiedQualified2.55%
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.
F&M Money Market
2.55%APY
$10 opening deposit required. Avoid $10 monthly service fee with an average daily balance of $1,000. Write up to 6 checks per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $100,000$10.00 balance requirement to obtain APY. Maintain daily average balance of $1,000 to avoid $10 monthly service charge. | 2.55% | $255 | $10.00 balance requirement to obtain APY. Maintain daily average balance of $1,000 to avoid $10 monthly service charge. |
| $100,000 – $250,000$10.00 balance requirement to obtain APY. Maintain daily average balance of $1,000 to avoid $10 monthly service charge. | 2.60% | — | $10.00 balance requirement to obtain APY. Maintain daily average balance of $1,000 to avoid $10 monthly service charge. |
| $250,000 – $750,000$10.00 balance requirement to obtain APY. Maintain daily average balance of $1,000 to avoid $10 monthly service charge. | 2.65% | — | $10.00 balance requirement to obtain APY. Maintain daily average balance of $1,000 to avoid $10 monthly service charge. |
| $750,000 – $1,500,000$10.00 balance requirement to obtain APY. Maintain daily average balance of $1,000 to avoid $10 monthly service charge. | 2.70% | — | $10.00 balance requirement to obtain APY. Maintain daily average balance of $1,000 to avoid $10 monthly service charge. |
| $1,500,000 and up$10.00 balance requirement to obtain APY. Maintain daily average balance of $1,000 to avoid $10 monthly service charge. | 3.22% | — | $10.00 balance requirement to obtain APY. Maintain daily average balance of $1,000 to avoid $10 monthly service charge. |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
Treehouse Savings Club
0.15%APY
For school-aged children and youth aged 6-18. Account seamlessly transitions to a Premium Savings Account at age 18. Identification required to open; minimum $5 deposit required.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000For ages 6-18; no service fees; $5 minimum opening deposit. | 0.50% | — | For ages 6-18; no service fees; $5 minimum opening deposit. |
| $5,000 and upFor ages 6-18; no service fees; $5 minimum opening deposit. | 0.15% | $15 | For ages 6-18; no service fees; $5 minimum opening deposit. |
Sources (3)
- fmbankva.com/personal/savings/compare-savings
- fmbankva.com/personal/savings/treehouse-savings
- fmbankva.com/resources/rates
All captured Oct 22, 2026
Christmas Club Savings
0.15%APY
Automatic disbursement of savings plus earned interest in October by check or direct deposit. Interest is forfeited if cashed prior to maturity.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMust remain open until maturity; forfeit interest if cashed prior to maturity.Any balance | 0.15% | $15 | Must remain open until maturity; forfeit interest if cashed prior to maturity. |
Sources (3)
- fmbankva.com/personal/savings/compare-savings
- fmbankva.com/personal/savings/specialty-savings-accounts
- fmbankva.com/resources/rates
All captured Oct 22, 2026
Premium Savings
0.15%APY
Compounded daily and credited quarterly. Service charge is $10 per quarter, waived with a $100 quarterly average balance; service charges are also waived for minors, students, seniors (65+), individuals with disabilities, estates, and qualifying nonprofits in Shenandoah Valley, Virginia.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upEarns interest on balances of $10.00 and over. $10 quarterly service charge waived with a quarterly average balance of $100.$10 and up | 0.15% | $15 | Earns interest on balances of $10.00 and over. $10 quarterly service charge waived with a quarterly average balance of $100. |
Sources (3)
- fmbankva.com/personal/savings/compare-savings
- fmbankva.com/personal/savings/premium
- fmbankva.com/resources/rates
All captured Oct 22, 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.