Bank · FDIC insured
F&M Trust Savings Rates
F&M Trust’s best savings rate is 0.05% APY on $10,000, with its Money Management Account. Rates checked October 16, 2026.
How F&M Trust’s savings 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
0.05%APY
- Minimum
- —
- Earns on $10,000 a year
- $5
Money Management Account
Top rate
Community State Bank
2.32%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $232
2nd-highest rate
Patriot Federal Credit Union
1.20%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $120
F&M Trust savings score
62
Savings score
Higher than 6% of U.S. banks and credit unions
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.05%
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 Trust 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.
Money Management Account
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $25,000 | 0.05% | $5 |
| $25,000 – $50,000 | 0.25% | — |
| $50,000 – $100,000 | 0.35% | — |
| $100,000 – $250,000 | 0.50% | — |
| $250,000 – $500,000 | 0.75% | — |
| $500,000 and up | 0.75% | — |
Sources (1)
- fmtrust.bank/financial-resources/rates · captured Oct 6, 2026
Special-purpose accounts
IRA Savings Accounts
0.05%APY
Rates are subject to change. FDIC insured. Plan for retirement with Traditional or Roth IRA options.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Tier 3 | 0.05% | — | Tier 3 |
| $500 – $10,000Tier 2 | 0.05% | — | Tier 2 |
| $10,000 and upTier 1 | 0.05% | $5 | Tier 1 |
Sources (2)
All captured Oct 16, 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.