Credit cards designed just for you, from someone you know and trust - F & M Bank.

Sample card

Low Rate Card

Designed for shoppers looking for a great low interest rate

  • No annual fee
  • 2.9% Introductory Rate for your first 6 months
  • Low ongoing rate
Sample card

Preferred Points Card

Designed for shoppers looking for outstanding rewards and no annual fee

  • 2.9% Introductory Rate for your first 6 months
  • Earn one point for each dollar spent (up to 10,000 per month) and redeem anytime
  • You choose the reward option--cash back, travel, merchandise, gift cards and more