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Take advantage of these rate specials today!
Call 1-800-444-6989, visit your nearest F&M Bank branch office, or send us a secure e-mail.

  Balance APY
Accelerated Savings Plus* $0-9,999
$10,000-24,999
$25,000+
0.50%
1.50%
2.50%

  Minimum to Open APY
12-Month CD Special** $1,000 3.51%
16-Month CD Special** $1,000 4.00%
24-Month CD Special** $1,000 4.25%
60-Month CD Special** $1,000 5.00%

*APYs (Annual Percentage Yields) are valid as of 9/17/08. Your interest rate and APY may change. $10,000 minimum is required to open the account and a $10,000 minimum daily balance is required to avoid fees, which could reduce earnings. A Bonus Checking account and F&M Online Banking with Bill Pay are required to maintain an Accelerated Savings Plus account. In addition, you must pay at least two (2) bills each statement cycle from your Bonus Checking account using Bill Pay. If this requirement is not met for two or more consecutive statement cycles or if the Bonus Checking account is closed, the Accelerated Savings Plus account will revert to an Accelerated Savings account.

**APYs (Annual Percentage Yields) are valid as of 9/17/08. Substantial penalty for early withdrawal.

Both offers available to individuals only and may be withdrawn at any time.