Bank · FDIC insured
F&M Trust CD Rates
F&M Trust’s best CD rate is 2.35% APY on a 5-year CD. Terms run from 2 years to 5 years. Rates checked October 16, 2026.
How F&M Trust’s CD rates compare
Compared with banks and credit unions near Chambersburg, PA, where F&M Trust has the most branches. $10,000, best rate first.
This bank’s best
F&M Trust
2.35%APY
- Term
- 60 months
- Minimum
- —
- Earns on $10,000
- $1,232
Certificates of Deposit
Top rate
Patriot Federal Credit Union
4.50%APY
- Term
- 48 months
- Minimum
- $1,000
- Earns on $10,000
- $1,925
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 2.35%APY · 3 terms
Rates are subject to change. Certain new money restrictions apply. Not all available terms and rates are listed. Maturity periods range from 30 days to five years.
| Term | APY · $1,000 – $5,000 | APY · $5,000 – $25,000 | APY · $25,000 – $100,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 24 monthsCertain new money restrictions apply | — | 1.85% | 1.90% | 1.85%1.90% $25k–$100k | $373 |
| 36 monthsCertain new money restrictions apply | 2.00% | 2.05% | 2.10% | 2.05%2.00% $1k–$5k2.10% $25k–$100k | $628 |
| 60 monthsCertain new money restrictions apply | 2.30% | 2.35% | — | 2.35%2.30% $1k–$5k | $1,232 |
Sources (2)
All captured Oct 6, 2026
Opening an account
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