What are the current interest rates at F&M Bank Miamisburg, OH?

Current rates for F&M Bank Miamisburg, OH include: 12-Month CD: 3.55%, 18-Month CD: 3.29%, 24-Month CD: 3.29%, 36-Month CD: 2.27%, 48-Month CD: 2.27%, 60-Month CD: 2.27%, Savings: 3.56%

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F&M Bank Miamisburg, OH Rates & Review October 2026

Q: How many branches does F&M Bank Miamisburg, OH operate?

F&M Bank Miamisburg, OH currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

F&M Bank Miamisburg, OH's top rates as of October 14, 2026 are 3.80% APY on its 12-Months 12-Month Jumbo CDs CD, 3.56% APY on savings, and 4.00% APY on checking, according to rates verified by MonitorBankRates. Other F&M Bank Miamisburg, OH CD rates include 1 Year Certificates of Deposit (CDs) at 3.55%, Certificates of Deposit (CDs) - 1 Year (Assumes 365 Days) at 3.55%, and 18-Months 18-Month Certificates of Deposit (CDs) at 3.29%. MonitorBankRates evaluates the financial stability of F&M Bank Miamisburg, OH with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.45%. Rates last updated and verified on 10/14/2026.

F&M Bank Miamisburg, OH 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 Miamisburg, OH? Share your experience about F&M Bank Miamisburg, OH by leaving a review below, or read customer reviews before you decide to use F&M Bank Miamisburg, OH.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.45%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

F&M Bank Miamisburg, OH

41 S 1st St
Miamisburg, OH 45342

https://www.bankwithfm.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

F&M Bank Miamisburg, OH CD Rates

Product	Rate	APY	Term
12 Month Jumbo CDs	3.75%	3.80%	12 Months
Min Deposit $100,000 Details $100,000+; Certificate of Deposits are subject to an early withdrawal penalty, if we allow the withdrawal of any of the principal prior to maturity. Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.45%
1 Year Certificates of Deposit (CDs)	3.50%	3.55%	1 Year
Min Deposit $1,000 Details Term: 1 Year (Assumes 365 Days) Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.45%
Certificates of Deposit (CDs) - 1 Year (Assumes 365 Days)	3.50%	3.55%	1 Year
Min Deposit $1,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.55% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.45%
18 Month Certificates of Deposit (CDs)	3.25%	3.29%	18 Months
Min Deposit $1,000 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 3.29% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.45%
2 Year Certificates of Deposit (CDs)	3.25%	3.29%	2 Years
Min Deposit $1,000 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 3.29% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.45%
Certificates of Deposit (CDs) - 2 Years	3.25%	3.29%	2 Years
Min Deposit $1,000 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 3.29% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.45%
3 Year Certificates of Deposit (CDs)	2.25%	2.27%	3 Years
Min Deposit $1,000 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.27% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.45%
4 Year Certificates of Deposit (CDs)	2.25%	2.27%	4 Years
Min Deposit $1,000 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.27% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.45%
5 Year Certificates of Deposit (CDs)	2.25%	2.27%	5 Years
Min Deposit $1,000 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.27% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.45%
Certificates of Deposit (CDs) - 4 Years	2.25%	2.27%	4 Years
Min Deposit $1,000 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.27% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.45%
Certificates of Deposit (CDs) - 5 Years	2.25%	2.27%	5 Years
Min Deposit $1,000 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.27% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.45%
6 Month Certificates of Deposit (CDs)	2.25%	2.26%	6 Months
Min Deposit $1,000 Details Term: 6 Months (Assumes 182 Days) Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.26% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.45%
3 Month Certificates of Deposit (CDs)	2.00%	2.02%	3 Months
Min Deposit $1,000 Details Term: 3 Months (Assumes 90 Days) Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.45%

F&M Bank Miamisburg, OH Savings Rates

Product	Rate	APY
Super Saver Savings	3.50%	3.56%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 3.56% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.45%
Health Savings Accounts	0.25%	0.25%
Min Deposit $25 Details Opening deposit $25.00; Subject to IRS limitations and/or penalties; see HSA Agreement or tax advisor Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.45%
Statement & Minor Savings Accounts	0.25%	0.25%
Min Balance $50,000 Details Balance: $50,000 and over; Statement Savings can be opened with $25.00 minimum; Minor Savings can be opened with $5.00 minimum Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.45%
Super Saver Savings	0.25%	0.25%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.45%
Statement & Minor Savings Accounts	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Statement Savings can be opened with $25.00 minimum; Minor Savings can be opened with $5.00 minimum Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.45%
Super Saver Savings	0.15%	0.15%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000 to $49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.45%
Statement & Minor Savings Accounts	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Statement Savings can be opened with $25.00 minimum; Minor Savings can be opened with $5.00 minimum Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.45%
Super Saver Savings	0.10%	0.10%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000 to $24,999.99 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.45%
Statement & Minor Savings Accounts	0.05%	0.05%
Min Balance $0 Details Balance: $0 - $9,999.99; Statement Savings can be opened with $25.00 minimum; Minor Savings can be opened with $5.00 minimum Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.45%
Super Saver Savings	0.05%	0.05%
Min Deposit $25 Min Balance $0 Details Balance: $0.01 to $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.45%

F&M Bank Miamisburg, OH Checking Rates

Product	Rate	APY
Free Kasasa Cash Checking	3.93%	4.00%
Min Deposit $25 Min Balance $0 Details Qualifications Required; Balance: $0 - $20,000 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.45%
Freedom Checking	0.25%	0.25%
Min Deposit $2,000 Min Balance $10,000 Details Balance: $10,000.00 and over Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.45%
Kasasa Cash Freedom Checking	0.25%	0.25%
Min Deposit $2,000 Min Balance $10,000 Details Balance: $10,000+ Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.45%
Freedom Checking	0.05%	0.05%
Min Deposit $2,000 Min Balance $0 Details Balance: $0.00 - $4,999.99 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.45%
Freedom Checking	0.05%	0.05%
Min Deposit $2,000 Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.45%
Kasasa Cash Freedom Checking	0.05%	0.05%
Min Deposit $2,000 Min Balance $0 Details Balance: $0 - $4,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.45%
Kasasa Cash Freedom Checking	0.05%	0.05%
Min Deposit $2,000 Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.45%

F&M Bank Miamisburg, OH Other Rates

Product	Rate	Points	APY/APR	Term
Certificates of Deposit (CDs) - 18 Months	3.25%	-	3.29%	18 Months
Min Deposit $1,000 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 3.29% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.45%
Certificates of Deposit (CDs) - 6 Months	2.25%	-	2.26%	6 Months
Min Deposit $1,000 Details Term: 6 Months (Assumes 182 Days) Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.26% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.45%
Jumbo CDs - 12 Months	3.75%	-	3.80%	12 Months
Min Deposit $100,000 Details $100,000+; Certificate of Deposits are subject to an early withdrawal penalty, if we allow the withdrawal of any of the principal prior to maturity. Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 3.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.45%
Kasasa Saver Savings	1.98%	-	2.00%
Min Deposit $25 Min Balance $0 Details Qualifications Required; Balance: $0 - $100,000; Qualifying balance up to $100,000.00 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.45%
Self Directed IRA	3.00%	-	3.03%
Min Deposit $500 Details Individual Retirement Accounts (IRAs); Variable Rate Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.03% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.45%

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.
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Financial Health History

F&M Bank Miamisburg, OH’s Texas Ratio rose from 0.27% in Q3 2023 to 7.45% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$359M	7.45%	5.0	A
March 31, 2026	$355M	7.77%	5.0	A
December 31, 2025	$355M	7.98%	5.0	A
September 30, 2025	$348M	1.25%	5.0	A+
June 30, 2025	$341M	0.00%	5.0	A+
March 31, 2025	$332M	0.00%	5.0	A+
December 31, 2024	$323M	0.18%	5.0	A+
September 30, 2024	$321M	0.19%	5.0	A+
June 30, 2024	$335M	0.21%	5.0	A+
March 31, 2024	$300M	0.22%	5.0	A+
December 31, 2023	$292M	0.89%	5.0	A+
September 30, 2023	$283M	0.27%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for F&M Bank Miamisburg, OH 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 Miamisburg, OH 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 Miamisburg, OH's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name F&M Bank Miamisburg, OH

Website https://www.bankwithfm.com

Address 41 S 1st St, Miamisburg, OH 45342 · Montgomery

Bank Holding Company F&M BCORP

FDIC Certificate # 9462

Regulator FDIC

Established November 23, 1923

FDIC Insurance Date January 1, 1934

Domestic Offices 5

Total Branches 5

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.45%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.8471%

Return on Equity (ROE)

16.9200%

Non-Performing Loans Ratio (NPL)

0.84%

Total Assets

$359,400,000

Total Deposits

$307,326,000

Equity Capital

$40,543,000

Net Income

$3,291,000

Headquarters

Miamisburg

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

F&M Bank Miamisburg, OH earned the Verified Healthy badge

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Frequently Asked Questions About F&M Bank Miamisburg, OH

How many branches does F&M Bank Miamisburg, OH operate?

F&M Bank Miamisburg, OH currently maintains approximately 5 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 Miamisburg, OH 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 Miamisburg, OH provides members with tools to manage their accounts and build a solid financial history.

Does F&M Bank Miamisburg, OH offer online and mobile banking?

Most modern institutions like F&M Bank Miamisburg, OH 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.bankwithfm.com.