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Farmers & Merchants Bank (CA)

Farmers & Merchants Bank (CA)


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/24/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/24/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/24/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/24/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.fmb.com
562-437-0011
302 Pine Avenue
Long Beach, CA 90802

Farmers & Merchants Bank (CA) is headquartered in LONG BEACH and is the 12th largest bank in the state of California. It is also the 143rd largest bank in the nation. It was established in 1907 and as of December of 2024, it had grown to 805 employees at 27 locations. Farmers & Merchants Bank (CA)'s CD rates are 40% higher than the national average, and it has an A health rating.

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Health
A

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #1225
Year Established1907
Employees805
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.37%
Return on Equity - YTD3.3%
Annual Interest Income$439.9MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$11.69B$12.04B
LoansQ4 2024vs Q4 2023$6.36B$6.65B
DepositsQ4 2024vs Q4 2023$8.77B$8.67B
Equity CapitalQ4 2024vs Q4 2023$1.37B$1.35B
Loan Loss AllowanceQ4 2024vs Q4 2023$96.6MM$97.9MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$22.8MM$37MM
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/24/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/24/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/24/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/24/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Farmers & Merchants Bank (CA) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$0-Health Savings Account
0.10%$0-Christmas Club
0.05%*$10k*-Market Rate Savings
OTHER TIERS: 0.03% → $0 - $10k
0.05%$0-Youth Savings
0.05%$0-Business Market Rate Savings

Farmers & Merchants Bank (CA) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%*$10k*-Market Rate Money Market
OTHER TIERS: 0.03% → $0 - $10k
0.05%$0-Business Market Rate Money Market

Farmers & Merchants Bank (CA) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$10k*-Platinum Checking
OTHER TIERS: 0.05% → $0 - $10k
0.05%$0-Business Interest on Checking
0.05%$0-Gold Checking
0.05%$100-Military Checking

Farmers & Merchants Bank (CA) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%*$500k*-12 Month Market Rate CD
OTHER TIERS: 0.05% → $0 - $10k | 0.35% → $10k - $50k | 0.75% → $50k - $100k | 1.00% → $100k - $500k
1.26%*$500k*-24-35 Month Market Rate CD
OTHER TIERS: 0.10% → $0 - $10k | 0.35% → $10k - $50k | 0.75% → $50k - $100k | 1.00% → $100k - $500k
1.26%*$500k*-13 -17 Month Market Rate CD
OTHER TIERS: 0.05% → $0 - $10k | 0.35% → $10k - $50k | 0.75% → $50k - $100k | 1.00% → $100k - $500k
1.26%*$500k*-18 - 23 Month Market Rate CD
OTHER TIERS: 0.05% → $0 - $10k | 0.35% → $10k - $50k | 0.75% → $50k - $100k | 1.00% → $100k - $500k
0.75%*$50k*-36-47 Month Market Rate CD
OTHER TIERS: 0.10% → $0 - $10k | 0.20% → $10k - $50k
0.75%*$50k*-48 Month Market Rate CD
OTHER TIERS: 0.15% → $0 - $10k | 0.20% → $10k - $50k
0.75%*$50k*-60 Month Market Rate CD
OTHER TIERS: 0.15% → $0 - $10k | 0.25% → $10k - $50k
0.50%*$100k*-91 Day Market Rate CD
OTHER TIERS: 0.03% → $0 - $10k | 0.10% → $10k - $100k
0.50%*$500k*-182 Day Market Rate CD
OTHER TIERS: 0.03% → $0 - $10k | 0.35% → $10k - $50k | 0.45% → $50k - $500k
0.10%*$10k*-7-31 Day Market Rate CD
OTHER TIERS: 0.03% → $0 - $10k

Farmers & Merchants Bank (CA) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$500k*-60 Month Market Rate IRA
OTHER TIERS: 0.15% → $0 - $10k | 0.25% → $10k - $100k | 0.50% → $100k - $500k
0.55%*$500k*-48 Month Market Rate IRA
OTHER TIERS: 0.15% → $0 - $10k | 0.20% → $10k - $100k | 0.45% → $100k - $500k
0.50%*$500k*-24 Month Market Rate IRA
OTHER TIERS: 0.10% → $0 - $10k | 0.15% → $10k - $100k | 0.40% → $100k - $500k
0.50%*$500k*-36 Month Market Rate IRA
OTHER TIERS: 0.10% → $0 - $10k | 0.15% → $10k - $100k | 0.40% → $100k - $500k
0.45%*$500k*-12 Month Market Rate IRA
OTHER TIERS: 0.05% → $0 - $10k | 0.10% → $10k - $100k | 0.35% → $100k - $500k
0.45%*$500k*-18 Month Market Rate IRA
OTHER TIERS: 0.05% → $0 - $10k | 0.10% → $10k - $100k | 0.35% → $100k - $500k
0.40%*$500k*-6 Month Market Rate IRA
OTHER TIERS: 0.03% → $0 - $10k | 0.10% → $10k - $100k | 0.30% → $100k - $500k
Locations

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