• Residential Real Estate Loans - Let F&M Bank help you buy, remodel or refinance your home!
• Consumer Loans - Buy a new car or go on a vacation with the help of a personal consumer loan!
• Agricultural Loans - Livestock, Operating, Machinery & Equipment, and Farm Real Estate loans...we can help you with all of it!
• Commercial Loans - Expand your existing business or start up a new business!

Deposits

• Checking - Multiple account types for you to choose from to meet your banking needs.
• Savings
• Certificates of Deposit - Call us for our competitive rates.
• Individual Retirement Accounts