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F&M Bank of Long Beach

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F&M Bank of Long Beach Rates & Review November 2026

Q: What are the current interest rates at F&M Bank of Long Beach?

Current rates for F&M Bank of Long Beach include: 12-Month CD: 0.05%, 18-Month CD: 0.05%, 24-Month CD: 0.10%, 36-Month CD: 0.10%, 48-Month CD: 0.05%, 60-Month CD: 0.05%, Savings: 0.10%, MMA: 0.05%

Q: What CD terms does F&M Bank of Long Beach offer?

F&M Bank of Long Beach CD rates are 1.75% APY for a 12 month CD, 2.27% APY for a 17 month CD, 2.78% APY for an 18 month CD, 1.50% APY for a 2 year CD, 0.10% APY for a 3 year CD, 0.05% APY for a 4 year CD and 1.75% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with F&M Bank of Long Beach for its full lineup.

Q: How many branches does F&M Bank of Long Beach operate?

F&M Bank of Long Beach currently maintains approximately 27 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, F&M Bank of Long Beach 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

F&M Bank of Long Beach's 18-Month CD rates are at 2.78%, 13-17-Months 13 - 17-Month CD rates are at 2.27%, 12-Month CD rates are at 1.75%, 60-Month CD rates are at 1.75%, 24-Month CD rates are at 1.50%. F&M Bank of Long Beach's savings rates are at 0.10%. F&M Bank of Long Beach's money market rates are at 0.05%. F&M Bank of Long Beach's checking rates are as high as 0.10%. F&M Bank of Long Beach's top CD rate of 2.78% APY on an 18 month CD is 5% lower than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of F&M Bank of Long Beach with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.06%. Rates last updated and verified on 11/05/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.06%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

F&M Bank of Long Beach

302 Pine Ave
Long Beach, CA 90802

https://www.fmb.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 of Long Beach CD Rates

Product	Rate	APY	Term	Min. Deposit
18-Month CD	2.75%	2.78%	18 months	$1,000
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000 or more; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 2.78% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
36-Month IRA CD	2.75%	2.78%	36 months	$500
Min Deposit $500 Min Balance $500,000 Details Balance: $500,000 or more; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 28, 2026 · 2.75% → 2.78% ▲ 0.03 pts · high 2.78% / low 2.75% Oct 14, 20262.78%▲ from 2.75% Sep 28, 20262.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
13 - 17-Month CD	2.25%	2.27%	13-17 months	$1,000
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000 or more; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 2.27% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
18-Month CD	2.25%	2.27%	18 months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000-$499,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 2.27% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
24-Month IRA CD	2.25%	2.27%	24 months	$500
Min Deposit $500 Min Balance $500,000 Details Balance: $500,000 or more; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 28, 2026 · 2.02% → 2.27% ▲ 0.25 pts · high 2.27% / low 2.02% Oct 14, 20262.27%▲ from 2.02% Sep 28, 20262.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
36-Month IRA CD	2.25%	2.27%	36 months	$500
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000-$499,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 28, 2026 · 2.25% → 2.27% ▲ 0.02 pts · high 2.27% / low 2.25% Oct 14, 20262.27%▲ from 2.25% Sep 28, 20262.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
13 - 17-Month CD	2.00%	2.02%	13-17 months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000-$499,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 2.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
24-Month IRA CD	2.00%	2.02%	24 months	$500
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000-$499,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 28, 2026 · 2.00% → 2.02% ▲ 0.02 pts · high 2.02% / low 2.00% Oct 14, 20262.02%▲ from 2.00% Sep 28, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
12-Month CD	1.75%	1.75%	12 months	$1,000
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000 or more; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 1.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
18-Month IRA CD	1.75%	1.75%	18 months	$500
Min Deposit $500 Min Balance $500,000 Details Balance: $500,000 or more; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 1.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
60-Month CD	1.75%	1.75%	60 months	$1,000
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000 or more; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 1.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
12-Month CD	1.50%	1.50%	12 months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000-$499,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
18-Month IRA CD	1.50%	1.50%	18 months	$500
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000-$499,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
24-Month CD	1.50%	1.50%	24 months	$1,000
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000 or more; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
36-Month CD	1.50%	1.50%	36 months	$1,000
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000 or more; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
48-Month IRA CD	1.50%	1.50%	48 months	$500
Min Deposit $500 Min Balance $500,000 Details Balance: $500,000 or more; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
60-Month CD	1.50%	1.50%	60 months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000-$499,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
60-Month IRA CD	1.50%	1.50%	60 months	$500
Min Deposit $500 Min Balance $500,000 Details Balance: $500,000 or more; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
48-Month CD	1.25%	1.26%	48 months	$1,000
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000 or more; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 1.26% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
12-Month IRA CD	1.25%	1.25%	12 months	$500
Min Deposit $500 Min Balance $500,000 Details Balance: $500,000 or more; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 1.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
18-Month CD	1.25%	1.25%	18 months	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000-$99,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 1.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
36-Month IRA CD	1.25%	1.25%	36 months	$500
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000-$99,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 1.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
12-Month IRA CD	1.00%	1.00%	12 months	$500
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000-$499,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
13 - 17-Month CD	1.00%	1.00%	13-17 months	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000-$99,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
24-Month CD	1.00%	1.00%	24 months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000-$499,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
24-Month IRA CD	1.00%	1.00%	24 months	$500
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000-$99,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
36-Month CD	1.00%	1.00%	36 months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000-$499,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
48-Month CD	1.00%	1.00%	48 months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000-$499,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
48-Month IRA CD	1.00%	1.00%	48 months	$500
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000-$499,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
60-Month CD	1.00%	1.00%	60 months	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000-$99,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
60-Month IRA CD	1.00%	1.00%	60 months	$500
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000-$499,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
12-Month CD	0.75%	0.75%	12 months	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000-$99,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
18-Month IRA CD	0.75%	0.75%	18 months	$500
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000-$99,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
24-Month CD	0.75%	0.75%	24 months	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000-$99,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
36-Month CD	0.75%	0.75%	36 months	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000-$99,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
48-Month CD	0.75%	0.75%	48 months	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000-$99,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
48-Month IRA CD	0.75%	0.75%	48 months	$500
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000-$99,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
60-Month IRA CD	0.75%	0.75%	60 months	$500
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000-$99,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
12-Month IRA CD	0.65%	0.65%	12 months	$500
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000-$99,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 0.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
6-Month CD	0.65%	0.65%	6 months	$1,000
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000 or more; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
6-Month IRA CD	0.65%	0.65%	6 months	$500
Min Deposit $500 Min Balance $500,000 Details Balance: $500,000 or more; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 0.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
3-Month CD	0.50%	0.50%	3 months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000-$499,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
3-Month CD	0.50%	0.50%	3 months	$1,000
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000 or more; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
6-Month CD	0.50%	0.50%	6 months	$1,000
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000-$499,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
6-Month IRA CD	0.50%	0.50%	6 months	$500
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000-$499,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
6-Month CD	0.45%	0.45%	6 months	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000-$99,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
6-Month IRA CD	0.45%	0.45%	6 months	$500
Min Deposit $500 Min Balance $0 Details Balance: $0.01-$99,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 0.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
12-Month CD	0.35%	0.35%	12 months	$1,000
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000-$49,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
13 - 17-Month CD	0.35%	0.35%	13-17 months	$1,000
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000-$49,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
48-Month CD	0.35%	0.35%	48 months	$1,000
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000-$49,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
6-Month CD	0.35%	0.35%	6 months	$1,000
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000-$49,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
60-Month CD	0.35%	0.35%	60 months	$1,000
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000-$49,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
3-Month CD	0.25%	0.25%	3 months	$1,000
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01-$99,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
36-Month CD	0.25%	0.25%	36 months	$1,000
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000-$49,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
60-Month IRA CD	0.25%	0.25%	60 months	$500
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000-$49,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
18-Month CD	0.20%	0.20%	18 months	$1,000
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000-$49,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
24-Month CD	0.20%	0.20%	24 months	$1,000
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000-$49,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
48-Month IRA CD	0.20%	0.20%	48 months	$500
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000-$49,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
24-Month CD	0.15%	0.15%	24 months	$1,000
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01-$99,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
24-Month IRA CD	0.15%	0.15%	24 months	$500
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000-$49,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
36-Month CD	0.15%	0.15%	36 months	$1,000
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01-$99,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
36-Month IRA CD	0.15%	0.15%	36 months	$500
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000-$49,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
48-Month IRA CD	0.15%	0.15%	48 months	$500
Min Deposit $500 Min Balance $0 Details Balance: $0.01-$99,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
60-Month IRA CD	0.15%	0.15%	60 months	$500
Min Deposit $500 Min Balance $0 Details Balance: $0.01-$99,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
12-Month IRA CD	0.10%	0.10%	12 months	$500
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000-$49,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
13 - 17-Month CD	0.10%	0.10%	13-17 months	$1,000
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01-$99,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
18-Month CD	0.10%	0.10%	18 months	$1,000
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01-$99,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
18-Month IRA CD	0.10%	0.10%	18 months	$500
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000-$49,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
24-Month IRA CD	0.10%	0.10%	24 months	$500
Min Deposit $500 Min Balance $0 Details Balance: $0.01-$99,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
3-Month CD	0.10%	0.10%	3 months	$1,000
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000-$49,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
36-Month IRA CD	0.10%	0.10%	36 months	$500
Min Deposit $500 Min Balance $0 Details Balance: $0.01-$99,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
6-Month IRA CD	0.10%	0.10%	6 months	$500
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000-$49,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
12-Month CD	0.05%	0.05%	12 months	$1,000
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01-$99,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
12-Month IRA CD	0.05%	0.05%	12 months	$500
Min Deposit $500 Min Balance $0 Details Balance: $0.01-$99,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
18-Month IRA CD	0.05%	0.05%	18 months	$500
Min Deposit $500 Min Balance $0 Details Balance: $0.01-$99,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
48-Month CD	0.05%	0.05%	48 months	$1,000
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01-$99,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
60-Month CD	0.05%	0.05%	60 months	$1,000
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01-$99,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
3-Month CD	0.03%	0.03%	3 months	$1,000
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01-$99,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
6-Month CD	0.03%	0.03%	6 months	$1,000
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01-$99,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
6-Month IRA CD	0.03%	0.03%	6 months	$500
Min Deposit $500 Min Balance $0 Details Balance: $0.01-$99,999.99; Rates and APY current as of 11/05/2026 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 0.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%

F&M Bank of Long Beach Savings Rates

Product	Rate	APY
Christmas Club	0.10%	0.10%
Details No compounding or crediting of interest; check or direct deposit of balance and interest accrued on 11/1 of the year Last Updated 11/05/2026 Rate History No change since Oct 2, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
Health Savings	0.10%	0.10%
Min Deposit $100 Details Health Savings Account; checking account product that compounds interest every three months Last Updated 11/05/2026 Rate History No change since Oct 2, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
Market Rate Savings	0.05%	0.05%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
Market Rate Savings	0.05%	0.05%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
Market Rate Savings	0.05%	0.05%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
Market Rate Savings	0.05%	0.05%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000.00 or more Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
Youth Savings	0.05%	0.05%
Min Deposit $5 Min Balance $0 Details Balance: $0.01 - $999.99 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
Youth Savings	0.05%	0.05%
Min Deposit $5 Min Balance $1,000 Details Balance: $1,000.00 - $19,999.99 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
Youth Savings	0.05%	0.05%
Min Deposit $5 Min Balance $20,000 Details Balance: $20,000.00 or more Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
Market Rate Savings	0.03%	0.03%
Min Deposit $100 Min Balance $0 Details Balance: $0.01 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 0.03% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%

F&M Bank of Long Beach Business Savings Rates

Product	Rate	APY
Business Market Rate Savings	0.05%	0.05%
Min Deposit $200 Min Balance $0 Details Balance: $0.01 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
Business Market Rate Savings	0.05%	0.05%
Min Deposit $200 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
Business Market Rate Savings	0.05%	0.05%
Min Deposit $200 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
Business Market Rate Savings	0.05%	0.05%
Min Deposit $200 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
Business Market Rate Savings	0.05%	0.05%
Min Deposit $200 Min Balance $100,000 Details Balance: $100,000.00 or more Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%

F&M Bank of Long Beach Money Market Rates

Product	Rate	APY
Market Rate Money Market	0.05%	0.05%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
Market Rate Money Market	0.05%	0.05%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
Market Rate Money Market	0.05%	0.05%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
Market Rate Money Market	0.05%	0.05%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000.00 or more Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
Market Rate Money Market	0.03%	0.03%
Min Deposit $100 Min Balance $0 Details Balance: $0.01 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 0.03% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%

F&M Bank of Long Beach Business Money Market Rates

Product	Rate	APY
Business Market Rate Money Market	0.05%	0.05%
Min Deposit $200 Min Balance $0 Details Balance: $0.01 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
Business Market Rate Money Market	0.05%	0.05%
Min Deposit $200 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
Business Market Rate Money Market	0.05%	0.05%
Min Deposit $200 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
Business Market Rate Money Market	0.05%	0.05%
Min Deposit $200 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
Business Market Rate Money Market	0.05%	0.05%
Min Deposit $200 Min Balance $100,000 Details Balance: $100,000.00 or more Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%

F&M Bank of Long Beach Checking Rates

Product	Rate	APY
Platinum Checking	0.10%	0.10%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
Platinum Checking	0.10%	0.10%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000.00 or more Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
Gold Checking	0.05%	0.05%
Min Deposit $100 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
Military Checking	0.05%	0.05%
Min Deposit $100 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
Platinum Checking	0.05%	0.05%
Min Deposit $100 Min Balance $0 Details Balance: $0.01 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Sep 28, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%

F&M Bank of Long Beach Business Checking Rates

Product	Rate	APY	View More
Business Interest on Checking	0.05%	0.05%
Min Deposit $200 Last Updated 11/05/2026 Rate History 2 changes since Sep 28, 2026 · 1.98% → 0.05% ▼ 1.93 pts · high 2.01% / low 0.05% Oct 20, 20260.05%▼ from 2.01% Oct 7, 20262.01%▲ from 1.98% Sep 28, 20261.98%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%

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 of Long Beach’s Texas Ratio fell from 2.70% in Q3 2023 to 0.06% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold 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 Grade

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	$11.8B	0.06%	5.0	A+
March 31, 2026	$11.9B	0.55%	5.0	A+
December 31, 2025	$11.8B	0.49%	5.0	A+
September 30, 2025	$11.6B	4.40%	5.0	A+
June 30, 2025	$11.4B	3.35%	5.0	A+
March 31, 2025	$11.5B	3.73%	5.0	A+
December 31, 2024	$11.7B	1.66%	5.0	A+
September 30, 2024	$12.0B	3.44%	5.0	A+
June 30, 2024	$12.2B	4.19%	5.0	A+
March 31, 2024	$12.2B	3.87%	5.0	A+
December 31, 2023	$12.0B	2.74%	5.0	A+
September 30, 2023	$12.5B	2.70%	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 of Long Beach 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 of Long Beach 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 of Long Beach's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name F&M Bank of Long Beach

Website https://www.fmb.com

Address 302 Pine Ave, Long Beach, CA 90802 · Los Angeles

Bank Holding Company PALOMAR ENTERPRISES LLC

FDIC Certificate # 1225

Regulator FED

Established November 20, 1907

FDIC Insurance Date January 1, 1934

Domestic Offices 27

Total Branches 27

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.06%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.9726%

Return on Equity (ROE)

7.1000%

Non-Performing Loans Ratio (NPL)

0.01%

Total Assets

$11,770,092,000

Total Deposits

$8,762,647,000

Equity Capital

$1,636,093,000

Net Income

$57,419,000

Headquarters

Long Beach

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

F&M Bank of Long Beach earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

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Total Reviews

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Frequently Asked Questions About F&M Bank of Long Beach

Does F&M Bank of Long Beach offer CDs?

Yes. F&M Bank of Long Beach current CD rates include its 18-Month CD at 2.78% APY, its 13-17-Months 13 - 17-Month CD at 2.27% APY and its 12-Month CD at 1.75% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from F&M Bank of Long Beach FDIC insured?

Yes. F&M Bank of Long Beach is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at F&M Bank of Long Beach?

The highest F&M Bank of Long Beach CD rate is its 18-Month Certificate of Deposit at 2.78% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does F&M Bank of Long Beach offer?

F&M Bank of Long Beach CD rates are 1.75% APY for a 12 month CD, 2.27% APY for a 17 month CD, 2.78% APY for an 18 month CD, 1.50% APY for a 2 year CD, 0.10% APY for a 3 year CD, 0.05% APY for a 4 year CD and 1.75% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with F&M Bank of Long Beach for its full lineup.

What is the highest savings rate at F&M Bank of Long Beach?

The highest F&M Bank of Long Beach savings rate is its Health Savings at 0.10% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at F&M Bank of Long Beach?

The highest F&M Bank of Long Beach money market rate is its Business Market Rate Money Market at 0.05% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at F&M Bank of Long Beach?

The highest F&M Bank of Long Beach checking rate is its Platinum Checking at 0.10% APY, verified by MonitorBankRates as of November 5, 2026.

How many branches does F&M Bank of Long Beach operate?

F&M Bank of Long Beach currently maintains approximately 27 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 of Long Beach 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 of Long Beach provides members with tools to manage their accounts and build a solid financial history.

Does F&M Bank of Long Beach offer online and mobile banking?

Most modern institutions like F&M Bank of Long Beach 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.fmb.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do F&M Bank of Long Beach rates compare?

F&M Bank of Long Beach's top CD rate of 2.78% APY on an 18 month CD is 5% lower than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. F&M Bank of Long Beach's top rates are its 18-Months 18-Month Certificate of Deposit at 2.78% APY, its Health Savings at 0.10% APY, its Business Market Rate Money Market at 0.05% APY and its Platinum Checking at 0.10% APY, verified by MonitorBankRates on November 5, 2026.

Current F&M Bank of Long Beach Rates

12-Month CD0.05%
18-Month CD0.05%
24-Month CD0.10%
36-Month CD0.10%
48-Month CD0.05%
60-Month CD0.05%
Savings0.10%
MMA0.05%

Retrieved from our database of financial products. Rates subject to change.

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F&M Bank of Long Beach Rates & Review November 2026

Brian McKay

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Frequently Asked Questions About F&M Bank of Long Beach

Does F&M Bank of Long Beach offer CDs?

Are CDs from F&M Bank of Long Beach FDIC insured?

What is the highest CD rate at F&M Bank of Long Beach?

What CD terms does F&M Bank of Long Beach offer?

What is the highest savings rate at F&M Bank of Long Beach?

What is the highest money market rate at F&M Bank of Long Beach?

What is the highest checking rate at F&M Bank of Long Beach?

How many branches does F&M Bank of Long Beach operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does F&M Bank of Long Beach offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

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Current F&M Bank of Long Beach Rates

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