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Personal Banking Services

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Banking Services for You and Your Family

From checking and savings accounts to help you manage your money the way you want, to providing loans for some of life’s biggest moments, F & M Community Bank is proud to offer personal banking services to help you reach your financial goals.

Checking Accounts

Choose the checking account that’s right for you. Whether you want a straightforward account with no fees, an account that offers you interest and rewards, or an account designed specifically for seniors, we’ve got you covered.

Choose Your Checking Account

Savings Accounts

Save your money the way you want by choosing one of our personal savings accounts. We offer everything from traditional savings accounts to money market accounts that let you grow your money faster with tiered interest. 

Save Your Way

Certificates of Deposit

Grow your money faster with a certificate of deposit that offers a great interest rate. You choose the terms for how long you want to save with a fixed-rate that is higher than what you’ll find on almost any savings account.

Grow Your Money Faster

Retirement Accounts

Make sure you can live the life you want once your working days are over with an IRA from F & M Community Bank. We offer multiple IRA options that allow you to save for retirement the way you want.

Start Saving For Retirement

Personal Loans

From purchasing a new vehicle to funding your next vacation, a personal loan from F & M Community Bank comes with a personal touch as we help you find the right rate and terms to best meet your needs.

Find Your Financing Solution

Home Loans

Whether you’re looking for a mortgage loan to purchase a new home or you want to use the equity you’ve built up in your current home, our lenders can help you find the right home loan solution.

Choose the Right Home Loan

Credit Cards

Choose a credit card that best matches your spending needs. We offer credit cards from Visa®, MasterCard® and American Express® that have different bonus point and travel reward offerings.

Apply for Your Credit Card