About F&M Bank

Building stronger communities through exceptional financial services since 1950

Who We Are

F&M Bank has been serving our community since 1950, providing exceptional financial services to our members.

As a member-owned credit union, we put your interests first. Our profits are returned to members in the form of better rates, lower fees, and exceptional service. Join the F&M Bank family today and experience the difference community banking can make.

Our Mission

To help our members achieve their financial goals through personalized service, competitive rates, and innovative solutions.

Member-owned and community focused
Better rates and lower fees
Personalized financial guidance

Why Choose Us

Experience the difference of member-focused banking

Personalized Service

Our team of dedicated professionals is here to guide you every step of the way, whether you're saving for a home, planning for retirement, or managing day-to-day finances.

Competitive Rates

Enjoy better rates on loans and higher returns on savings compared to traditional banks. Your money works harder for you at F&M Bank.

Secure & Reliable

Your accounts are insured up to $250,000. We use state-of-the-art security measures to protect your data and financial information.

Our Complete Range of Services

Comprehensive financial solutions designed for your success

Banking Accounts

Checking and savings accounts with competitive rates and no hidden fees.

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Home & Auto Loans

Competitive rates on mortgages, home equity loans, and vehicle financing.

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Investment Services

Build your wealth with our comprehensive investment and retirement planning services.

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Digital Banking

24/7 access to your accounts through our mobile app and online banking platform.

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Exclusive Member Benefits

Experience the advantages of member-owned banking

Better Rates

Enjoy higher savings rates and lower loan rates compared to traditional banks. Your membership pays off.

  • Higher CD rates
  • Lower auto loan rates
  • Competitive mortgage rates

Lower Fees

Keep more of your money with our low-fee structure and many free services.

  • Free checking accounts
  • No monthly maintenance fees
  • Free online banking

Personal Service

Experience the difference of member-focused service and local decision making.

  • Local loan decisions
  • Dedicated member service
  • Community involvement

Ready to Join?

Membership is open to anyone who lives, works, worships, or attends school in our service area.

Become a Member Today

What Our Members Say

Real stories from real members

Our Community Impact

Local Support

We proudly support local schools, charities, and community events. Your success is our success, and we're committed to helping build a stronger community together.

Financial Education

Empowering our members through free financial workshops, seminars, and personalized guidance. Knowledge is power, and we're here to help you make informed decisions.

Member Benefits

Enjoy exclusive member benefits including special rates, discounts, and personalized service. As a member-owned credit union, your success is our priority.

Financial Education & Resources

Empowering our members with the knowledge and tools needed to make informed financial decisions.

Free Workshops: Monthly seminars on budgeting, investing, and retirement planning
Financial Tools: Online calculators for loans, savings, and retirement planning
Personal Consultation: One-on-one financial counseling with our experts
Resource Library: Comprehensive guides on financial topics and life events
Explore Resources

500+

Members Educated

24

Workshops Annually

95%

Satisfaction Rate

Free

All Resources

Frequently Asked Questions

Becoming a member is easy! You can apply online or visit any of our branches. Our membership is open to anyone who lives, works, worships, or attends school in our service area.

Our branches are open Monday through Friday from 9:00 AM to 5:00 PM, and Saturdays from 9:00 AM to 12:00 PM. Our online banking services are available 24/7.

Yes, your funds are insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency.

Our Commitment to Community

Local Support

We proudly support local schools, charities, and community events. Your success is our success, and we're committed to helping build a stronger community together.

Financial Education

Empowering our members through free financial workshops, seminars, and personalized guidance. Knowledge is power, and we're here to help you make informed decisions.

Member Benefits

Enjoy exclusive member benefits including special rates, discounts, and personalized service. As a member-owned credit union, your success is our priority.

Modern Banking Solutions

Advanced technology meets personalized service

Digital Banking

Manage your finances anytime, anywhere with our mobile and online banking solutions.

Smart Investments

Grow your wealth with our expert investment advisory services.

Secure & Reliable

Your security is our top priority with advanced encryption and protection.