Lending

Consumer Loans

Whether it’s a car, truck, boat, or swimming pool, we make all kinds of loans, large and small. Maybe you’d like some help with debt consolidation, home renovation or sending the kids to college. We’ve been working with folks for seventy years, helping get the things they want and need.

Home Loans

Mortgage Lending

When you’re buying a home, we know you want someone to help walk you through the process and make sure you’re getting the best fitting mortgage, so that’s exactly what we do! FHA, mortgage company, conventional….we’ve got a variety of ways to finance your home, with maturities up to 30 years. We also finance new-home construction with the flexibility you’ll need to get the job done.

Home Equity Loans

Got money hidden in your house? If you own your home, you’ve been building equity with every payment. We can loan you a big part of that money to use on just about anything you need. And chances are the interest you’ll pay is tax deductible. If you’ve got a high ticket purchase looming, talk to us. A home equity loan might be a smart choice for you.

Commercial Loans

Commercial Lending

Whether you already have a business or want to start one, F&M Bank your loan solutions. We’re small-business friendly because our commercial loan officers have the authority for quick approvals of your commercial project. We offer New Construction, Expansion, Equipment Leasing and Operating Loans.

Agriculture Lending

Farmers have been looking to F&M Bank for smart farm loans since we opened our doors. In fact, we’re a leader in Ag Banking. We understand the unique business needs of farmers. That’s why we offer loan and lease programs for crop production, farm equipment, irrigation equipment, land acquisition, and capital improvements.

See your local F&M Bank loan officer for more on your Commercial Lending options.

Learn more about your total Business Banking solutions.

Credit Cards

Visa, Visa Gold & MasterCard

ENJOY: No Hidden Fees, No Balance Transfer Fees, No Cash Advance Fees, No Annual Fees and one of the lowest interest rates around!

Would you like rewards with that? Add ScoreCard Rewards to our Visa, Visa Gold or MasterCard credit cards and get rewards every time you use your card. Learn more about rewards and monitor your points at scorecardrewards.com

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