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Current Rates

Certificates of Deposit

Product APY* Interest Rate Compounded Min. Deposit
6 Month 0.45% 0.45% Quarterly $500.00
10 Month 4.15% 4.07% Monthly** $500.00
1 Year 0.60% 0.60% Quarterly $500.00
13 Month 0.60% 0.60% Monthly** $500.00
15 Month 4.25% 4.17% Monthly** $500.00
2 Year  0.75% 0.75% Quarterly $500.00
30 Month 4.40% 4.33% Quarterly** $500.00
3 Year 0.85% 0.85% Quarterly $500.00
4 Year 0.95% 0.95% Quarterly $500.00
5 Year 1.05% 1.05% Quarterly $500.00

A penalty may be imposed for early withdrawals.

IRA Accounts

Product APY* Interest Rate Compounded Min. Deposit
IRA 18 Month (Variable rate) 1.50% 1.49% Quarterly $500.00
IRA 24 Month (Fixed rate) 0.75% 0.75% Quarterly $500.00
IRA 36 Month (Fixed rate) 4.45% 4.38% Quarterly** $500.00
IRA 60 Month (Fixed rate) 1.05% 1.05% Quarterly $500.00


A penalty may be imposed for early withdrawals.

Savings Accounts

Product APY* Interest Rate Compounded Min. Deposit
Statement Savings 0.20% 0.20% Quarterly $100.00
Lazy River Kids Club Savings $5,000.00 and over 0.20% 0.20% Quarterly $25.00
Lazy River Kids Club Savings $25.00 to $5,000.00 0.61% 0.62% Quarterly $25.00

MMDA Accounts

Product APY* Interest Rate Compounded Min. Deposit
MMDA Regular & Business $500.00 to $2,499.99 0.11% 0.11% Monthly $2,500.00
MMDA Regular & Business  $2,500.00 to $24,999.99 0.15% 0.15% Monthly $2,500.00
MMDA Regular & Business  $25,000.00 to $49,999.99 0.20% 0.20% Monthly $25,000.00
MMDA Regular & Business  $50,000.00 to $99,999.99 0.25% 0.25% Monthly $50,000.00
MMDA Regular & Business  $100,000.00 & over 0.30% 0.30% Monthly $100,000.00
Premium MMDA under $100,000.00 0.40% 0.40% Monthly $50,000.00 *New Money Only* Call Bank for Information
Premium MMDA $100,000.00 and over 0.45% 0.45% Monthly $100,000.00 *New Money Only* Call Bank for Information


Checking Accounts

Product APY* Interest Rate Compounded Min. Deposit
Your Choice Checking - Premium (No minimum to earn interest) 0.05% 0.05% Monthly $100.00
SUPER NOW $1,000.00 to $2,499.99 0.05% 0.05% Monthly $1,000.00
SUPER NOW $2,500.00 & over 0.10% 0.10% Monthly $2,500.00

Your Choice Checking - Rewards - Qualified Balances up to $15,000.00

5.00% 4.89% Monthly $100.00

Your Choice Checking - Rewards - Qualified Balances OVER $15,000.00

0.10% 0.10% Monthly $100.00
Your Choice Checking - Rewards - Non-Qualified Balances $0 to $2,500.00 0.05% 0.05% Monthly $100.00
Your Choice Checking - Rewards - Non-Qualified Balances OVER $2,500.00 0.10% 0.10% Monthly $100.00
Health Savings Acct Non-Qualified Balances $0.00 to $4,999.99 0.20% 0.20% Monthly $100.00
Health Savings Acct Qualified-Combined FMB Balances $5,000.00 & over (See Customer Service for details) 1.50% 1.50% Monthly $100.00


*APY = Annual Percentage Yield APY is accurate as of – 11/22/2022 rates subject to change at bank’s discretion. Rates may change after the account is opened. Fees could reduce earnings on the account


Restrictions apply. All criteria must be hard posted by the last business day of the month/statement cycle. Balances up to $15,000.00 that meet the qualifying criteria earn 5.00% APY, balances $15,000.00 and over that qualify earn .10% APY. Non-qualifying accounts earn .05% APY on balances up to $2,500.00, balances $2,500.00 and over earn .10% APY. (Annual Percentage Yield is accurate as of 11/01/2022, interest is compounded monthly and calculated on average daily balance, rates may change without notice.)

** New Money Bonus 0.10%. 10M-4.17%, 4.25%, 15M-4.27%, 4.35% APY, 30M-4.43%, 4.50% APY, 36M-IRA 4.47%, 4.55% APY     New Funds Not Currently on Deposit With FMB