What are the current interest rates at F&M Bank & Trust Burlington, IA?

Current rates for F&M Bank & Trust Burlington, IA include: 12-Month CD: 0.21%, 18-Month CD: 0.25%, 24-Month CD: 0.28%, 36-Month CD: 0.37%, 48-Month CD: 0.50%, 60-Month CD: 0.77%, Savings: 0.10%

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F&M Bank & Trust Burlington, IA Rates & Review May 2026

Item: F&M Bank & Trust Burlington, IA
Rating: 2450
Author: bqvO

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 3, 2026

F&M Bank & Trust Burlington, IA's 19-Month Special CERTIFICATE OF DEPOSIT rates are at 1.15%, 60-Month CERTIFICATE OF DEPOSIT rates are at 0.77%, 7-Month Special CERTIFICATE OF DEPOSIT rates are at 0.65%, 48-Month CERTIFICATE OF DEPOSIT rates are at 0.50%, 36-Month CERTIFICATE OF DEPOSIT rates are at 0.37%. F&M Bank & Trust Burlington, IA's savings rates are at 0.10%. MonitorBankRates evaluates the financial stability of F&M Bank & Trust Burlington, IA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.08%. Rates were last updated on 05/03/2026.

F&M Bank & Trust Burlington, IA money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at F&M Bank & Trust Burlington, IA? Share your experience about F&M Bank & Trust Burlington, IA by leaving a review below, or read customer reviews before you decide to use F&M Bank & Trust Burlington, IA.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.08%

Excellent Lower than avg

F&M Bank & Trust Burlington, IA

221 Jefferson St
Burlington, IA 52601

https://www.fmbanktrust.bank

F&M Bank & Trust Burlington, IA CD Rates

Product	Rate	APY	Term
19 Month Special CERTIFICATE OF DEPOSIT	1.15%	1.15%	19
Min Balance $500 Details $500 Minimum to Open CD; Auto-Renew for 18 Months Last Updated 05/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
60 Month CERTIFICATE OF DEPOSIT	0.77%	0.77%	60
Min Balance $500 Details $500 Minimum to Open CD Last Updated 05/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
7 Month Special CERTIFICATE OF DEPOSIT	0.65%	0.65%	7
Min Balance $500 Details $500 Minimum to Open CD; Auto-Renew for 6 Months Last Updated 05/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
48 Month CERTIFICATE OF DEPOSIT	0.50%	0.50%	48
Min Balance $500 Details $500 Minimum to Open CD Last Updated 05/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
36 Month CERTIFICATE OF DEPOSIT	0.37%	0.37%	36
Min Balance $500 Details $500 Minimum to Open CD Last Updated 05/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
30 Month CERTIFICATE OF DEPOSIT	0.32%	0.32%	30
Min Balance $500 Details $500 Minimum to Open CD Last Updated 05/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
24 Month CERTIFICATE OF DEPOSIT	0.28%	0.28%	24
Min Balance $500 Details $500 Minimum to Open CD Last Updated 05/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
18 Month CERTIFICATE OF DEPOSIT	0.25%	0.25%	18
Min Balance $500 Details $500 Minimum to Open CD Last Updated 05/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
12 Month CERTIFICATE OF DEPOSIT	0.21%	0.21%	12
Min Balance $500 Details $500 Minimum to Open CD Last Updated 05/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
9 Month CERTIFICATE OF DEPOSIT	0.20%	0.20%	9
Min Balance $500 Details $500 Minimum to Open CD Last Updated 05/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
6 Month CERTIFICATE OF DEPOSIT	0.19%	0.19%	6
Min Balance $500 Details $500 Minimum to Open CD Last Updated 05/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
3 Month CERTIFICATE OF DEPOSIT	0.14%	0.14%	3
Min Balance $500 Details $500 Minimum to Open CD Last Updated 05/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%

F&M Bank & Trust Burlington, IA Savings Rates

Product	Rate	APY
HEALTH SAVINGS	0.25%	0.25%
Details Family or Individual Last Updated 05/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
F&M MYWAY SAVINGS	0.10%	0.10%
Min Deposit $100 Details Renamed from Regular Savings Last Updated 05/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%

F&M Bank & Trust Burlington, IA Checking Rates

Product	Rate	APY
F&M Extreme Checking	0.15%	0.15%
Details Minimum to Open $100; Daily Available Balance $2,500.00 or greater Last Updated 05/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
F&M Extreme Checking	0.10%	0.10%
Details Minimum to Open $100; Daily Available Balance up to $2,499.99 Last Updated 05/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for F&M Bank & Trust Burlington, IA is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather F&M Bank & Trust Burlington, IA rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with F&M Bank & Trust Burlington, IA's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name F&M Bank & Trust Burlington, IA

Bank Holding Company FARMERS&MERCHANTS BANCSHARES

Address 221 Jefferson St, Burlington, IA 52601 · Des Moines

Website https://www.fmbanktrust.bank

FDIC Certificate # 13737

Established 01/01/1916

FDIC Insurance Date 01/24/1934

Domestic Offices 4

Total Branches 4

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.08%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) -0.0566%

Return on Equity (ROE) -1.4100%

Non-Performing Loans (NPL) 0.08%

Total Assets $212,732,000

Total Deposits $180,719,000

Equity Capital $16,615,000

Net Income $1,262,000

Headquarters Burlington

Total Offices 4

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

bqvO

★★★★★

December 17, 2025

fCzD

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Average Rating

★★★★★

Total Reviews

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Frequently Asked Questions About F&M Bank & Trust Burlington, IA

Is F&M Bank & Trust Burlington, IA a safe place to deposit money?

Yes, F&M Bank & Trust Burlington, IA is considered a safe financial institution. With a Texas Ratio of 2.0766201217329%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does F&M Bank & Trust Burlington, IA operate?

F&M Bank & Trust Burlington, IA currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, F&M Bank & Trust Burlington, IA does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, F&M Bank & Trust Burlington, IA provides members with tools to manage their accounts and build a solid financial history.

Does F&M Bank & Trust Burlington, IA offer online and mobile banking?

Most modern institutions like F&M Bank & Trust Burlington, IA provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fmbanktrust.bank.