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There comes a time in almost everyone’s life when borrowing money is necessary. Whether it’s for your personal use or your farm or business, we would like to see if we can help solve a problem or make your dreams come true.

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 or home renovation. We’ve been working with folks for seventy years, helping get the things they want and need.

Contact your local branch and a Loan Officer will be happy to help you get started.

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! We've got a variety of ways to finance your home, including long-term maturities. We also finance new-home construction with the flexibility you’ll need to get the job done.

Get started at your Mortgage Center:
F&M Bank Mortgage Center
BOF Mortgage Center

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.

Contact your local branch and a Loan Officer will be happy to help you get started.


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 1945. 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.

Contact your local branch and a Loan Officer will be happy to help with your Commercial Lending needs.

Learn more about your total Business Banking solutions.

Credit Cards

Visa, Visa Gold & MasterCard

Get your credit card from the bank you know and trust. Check out our low interest rate and reasonable terms by calling us today.

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.

Credit Card Tools & Resources

Learn about Rewards and Monitor Points
View your Credit Card Statement Online 
Report a lost or stolen card