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Farmers & Merchants Bank (CA)


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.80%
Our Rating
4.2  / 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 7/1/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
4.44%
Our Rating
4.3  / 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 7/1/2025
4.20%
Our Rating
3.8  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 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
866-437-0011
302 Pine Avenue
Long Beach, CA 90802
Reviews

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #1225
Year Established1907
Employees802
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.58%
Return on Equity - YTD4.9%
Annual Interest Income$104.7MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$11.49B$12.19B
LoansQ1 2025vs Q1 2024$6.32B$6.49B
DepositsQ1 2025vs Q1 2024$8.7B$8.6B
Equity CapitalQ1 2025vs Q1 2024$1.38B$1.36B
Loan Loss AllowanceQ1 2025vs Q1 2024$96.6MM$97.5MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$51.5MM$49.6MM
Real Estate OwnedQ1 2025vs Q1 2024$0$2.9MM
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.80%
Our Rating
4.2  / 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 7/1/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
4.44%
Our Rating
4.3  / 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 7/1/2025
4.20%
Our Rating
3.8  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 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%$0-Military Checking

Farmers & Merchants Bank (CA) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.78%*$500k*-36-47 Month Market Rate CD
OTHER TIERS: 0.10% → $0 - $10k | 0.20% → $10k - $50k | 0.75% → $50k - $100k | 2.27% → $100k - $500k
2.27%*$500k*-24-35 Month Market Rate CD
OTHER TIERS: 0.10% → $0 - $10k | 0.35% → $10k - $50k | 0.75% → $50k - $100k | 2.02% → $100k - $500k
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*-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*-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
2.78%*$500k*-36 Month Market Rate IRA
OTHER TIERS: 0.10% → $0 - $10k | 0.15% → $10k - $100k | 2.27% → $100k - $500k
2.27%*$500k*-24 Month Market Rate IRA
OTHER TIERS: 0.10% → $0 - $10k | 0.15% → $10k - $100k | 2.02% → $100k - $500k
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
0.45%*$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

Availability

Los Angeles Area

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