Deposit Rates - Ohio and Michigan

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Rates effective as of April 27, 2016.


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Certificates of Deposit ** Minimum Balance APY*
91 day $2,500 0.04%
$25,000 0.08%
$100,000 0.14%
182 day $2,500 0.07%
$25,000 0.12%
$100,000 0.17%
12 month $2,500 0.21%
$25,000 0.26%
$100,000 0.33%
15 month $2,500 0.21%
$25,000 0.26%
$100,000 0.33%
18 month $1,000 0.26%
$25,000 0.29%
$100,000 0.36%
24 month $2,500 0.29%
$25,000 0.32%
$100,000 0.39%
30 month $2,500 0.31%
$25,000 0.34%
$100,000 0.39%
36 month $2,500 0.41%
$25,000 0.46%
$100,000 0.51%
48 month $2,500 0.61%
$25,000 0.65%
$100,000 0.69%
60 month $2,500 1.77%
$25,000 1.91%
$100,000 2.00%
Certificates of Deposit - Special ** Minimum Balance APY*
32 month - F&M Checking relationship required $2,000 1.01%
$10,000 1.26%

*APY = Annual Percentage Yield.

** Substantial penalty for early withdrawal on these accounts.