Current Rates
Certificates of Deposit
| Product | APY* | Interest Rate | Compounded | Min. Deposit |
|---|---|---|---|---|
| 4 Month | 3.80% | 3.74% | Monthly | $500.00 |
| 5 Month-New Money** | 4.00% | 3.93% | Monthly | $500.00 |
| 6 Month | 3.51% | 3.46% | Quarterly | $500.00 |
| 7 Month | 3.71% | 3.65% | Monthly | $500.00 |
| 1 Year | 3.61% | 3.56% | Quarterly | $500.00 |
| 18 Month | 1.50% | 1.49% | Quarterly | $500.00 |
| 19 Month | 3.57% | 3.51% | Monthly | $500.00 |
| 2 Year | 3.80% | 3.75% | Quarterly | $500.00 |
| 3 Year | 2.50% | 2.48% | Quarterly | $500.00 |
| 4 Year | 2.50% | 2.48% | Quarterly | $500.00 |
| 5 Year | 2.50% | 2.48% | Quarterly | $500.00 |
A penalty may be imposed for early withdrawals.
IRA Accounts
| Product | APY* | Interest Rate | Compounded | Min. Deposit |
|---|---|---|---|---|
| IRA 12 Month (Fixed rate) | 3.61% | 3.56% | Quarterly | $500.00 |
| IRA 18 Month (Variable rate) | 1.50% | 1.49% | Quarterly | $500.00 |
| IRA 24 Month (Fixed rate) | 3.80% | 3.75% | Quarterly | $500.00 |
| IRA 36 Month (Fixed rate) | 2.50% | 2.48% | 2.48% | $500.00 |
| IRA 60 Month (Fixed rate) | 2.50% | 2.48% | 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 | $200.00 |
| 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% | 0.61% | 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 |
|
Premium MMDA $100,000 to $249,999.99 |
0.45% | 0.45% | Monthly | $100,000.00 |
|
Premium MMDA $250,000 & over |
3.51% | 3.45% | Monthly | $250,000.00 |
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 05/13/2026 Rates subject to change at bank’s discretion. Rates may change after the account is opened. Fees could reduce earnings on the account.
**APY = Annual Percentage Yield APY is accurate as of 01/08/2026. Rates subject to change at bank’s discretion. Rates may change after the account is opened. Fees could reduce earnings on the account. New Money Only-Funds not currently held on deposit with FMB.
†Restrictions apply. All criteria must be hard posted to the statement 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 09/19/2024, interest is compounded monthly and calculated on average daily balance, rates may change without notice.)
