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: 0.65%, MMA: 0.05%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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F&M Bank of Long Beach

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

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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

F&M Bank of Long Beach's top rates as of October 7, 2026 are 2.27% APY on its 18-Months 18-Month Certificate, 0.65% APY on savings, 0.05% APY on money market accounts, and 2.01% APY on checking, according to rates verified by MonitorBankRates. Other F&M Bank of Long Beach CD rates include 24-Months IRA 24-Month at 2.27%, 36-Months IRA 36-Month at 2.27%, and 18-Months 18-Month Certificate at 2.25%. 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 10/07/2026.

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 Q2 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
18 Month Certificate	2.27%	2.27%	18 months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000-$499,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.27% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
IRA 24 month	2.27%	2.27%	24 months
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000-$499,999.99 Last Updated 10/07/2026 Rate History 1 change since Oct 2, 2026 · 2.00% → 2.27% ▲ 0.27 pts · high 2.27% / low 2.00% Oct 7, 20262.27%▲ from 2.00% Oct 2, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
IRA 36 month	2.27%	2.27%	36 months
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000-$499,999.99 Last Updated 10/07/2026 Rate History 1 change since Oct 2, 2026 · 2.25% → 2.27% ▲ 0.02 pts · high 2.27% / low 2.25% Oct 7, 20262.27%▲ from 2.25% Oct 2, 20262.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
18 Month Certificate	2.25%	2.25%	18 months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000-$499,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
IRA 24 month	2.25%	2.25%	24 months
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000-$499,999.99 Last Updated 10/07/2026 Rate History 1 change since Oct 2, 2026 · 2.00% → 2.25% ▲ 0.25 pts · high 2.25% / low 2.00% Oct 7, 20262.25%▲ from 2.00% Oct 2, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
IRA 36 month	2.25%	2.25%	36 months
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000-$499,999.99 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
13-17 Month Certificate	2.02%	2.02%	13-17 months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000-$499,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
IRA 18 month	2.02%	2.02%	18 months
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000-$499,999.99 Last Updated 10/07/2026 Rate History 1 change since Oct 2, 2026 · 1.50% → 2.02% ▲ 0.52 pts · high 2.02% / low 1.50% Oct 7, 20262.02%▲ from 1.50% Oct 2, 20261.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
13-17 Month Certificate	2.00%	2.00%	13-17 months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000-$499,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
IRA 18 month	2.00%	2.00%	18 months
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000-$499,999.99 Last Updated 10/07/2026 Rate History 1 change since Oct 2, 2026 · 1.50% → 2.00% ▲ 0.50 pts · high 2.00% / low 1.50% Oct 7, 20262.00%▲ from 1.50% Oct 2, 20261.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
12 Month Certificate	1.75%	1.75%	12 months
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000 or more Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
60 Month Certificate	1.75%	1.75%	60 months
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000 or more Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
IRA 12 month	1.75%	1.75%	12 months
Min Deposit $500 Min Balance $500,000 Details Balance: $500,000 or more Last Updated 10/07/2026 Rate History 1 change since Oct 2, 2026 · 1.25% → 1.75% ▲ 0.50 pts · high 1.75% / low 1.25% Oct 7, 20261.75%▲ from 1.25% Oct 2, 20261.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
12 Month Certificate	1.50%	1.50%	12 months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000-$499,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
24 Month Certificate	1.50%	1.50%	24 months
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000 or more Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
36 Month Certificate	1.50%	1.50%	36 months
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000 or more Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
48 Month Certificate	1.50%	1.50%	48 months
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000 or more Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
60 Month Certificate	1.50%	1.50%	60 months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000-$499,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
IRA 12 month	1.50%	1.50%	12 months
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000-$499,999.99 Last Updated 10/07/2026 Rate History 1 change since Oct 2, 2026 · 1.00% → 1.50% ▲ 0.50 pts · high 1.50% / low 1.00% Oct 7, 20261.50%▲ from 1.00% Oct 2, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
IRA 48 month	1.50%	1.50%	48 months
Min Deposit $500 Min Balance $500,000 Details Balance: $500,000 or more Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
IRA 60 month	1.50%	1.50%	60 months
Min Deposit $500 Min Balance $500,000 Details Balance: $500,000 or more Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
18 Month Certificate	1.25%	1.25%	18 months
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
IRA 24 month	1.25%	1.25%	24 months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/07/2026 Rate History 1 change since Oct 2, 2026 · 1.00% → 1.25% ▲ 0.25 pts · high 1.25% / low 1.00% Oct 7, 20261.25%▲ from 1.00% Oct 2, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
IRA 36 month	1.25%	1.25%	36 months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 1.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
IRA 6 month	1.25%	1.25%	6 months
Min Deposit $500 Min Balance $500,000 Details Balance: $500,000 or more Last Updated 10/07/2026 Rate History 1 change since Oct 2, 2026 · 0.65% → 1.25% ▲ 0.60 pts · high 1.25% / low 0.65% Oct 7, 20261.25%▲ from 0.65% Oct 2, 20260.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
13-17 Month Certificate	1.00%	1.00%	13-17 months
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
24 Month Certificate	1.00%	1.00%	24 months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000-$499,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
36 Month Certificate	1.00%	1.00%	36 months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000-$499,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
48 Month Certificate	1.00%	1.00%	48 months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000-$499,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
60 Month Certificate	1.00%	1.00%	60 months
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
IRA 48 month	1.00%	1.00%	48 months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/07/2026 Rate History 1 change since Oct 2, 2026 · 0.75% → 1.00% ▲ 0.25 pts · high 1.00% / low 0.75% Oct 7, 20261.00%▲ from 0.75% Oct 2, 20260.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
IRA 6 month	1.00%	1.00%	6 months
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000-$499,999.99 Last Updated 10/07/2026 Rate History 1 change since Oct 2, 2026 · 0.50% → 1.00% ▲ 0.50 pts · high 1.00% / low 0.50% Oct 7, 20261.00%▲ from 0.50% Oct 2, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
IRA 60 month	1.00%	1.00%	60 months
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000-$499,999.99 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
12 Month Certificate	0.75%	0.75%	12 months
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
24 Month Certificate	0.75%	0.75%	24 months
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
36 Month Certificate	0.75%	0.75%	36 months
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
48 Month Certificate	0.75%	0.75%	48 months
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
IRA 12 month	0.75%	0.75%	12 months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/07/2026 Rate History 1 change since Oct 2, 2026 · 0.65% → 0.75% ▲ 0.10 pts · high 0.75% / low 0.65% Oct 7, 20260.75%▲ from 0.65% Oct 2, 20260.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
IRA 18 month	0.75%	0.75%	18 months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
IRA 60 month	0.75%	0.75%	60 months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
6 Month Certificate	0.65%	0.65%	6 months
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000 or more Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
IRA 6 month	0.65%	0.65%	6 months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 0.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
3 Month Certificate	0.50%	0.50%	3 months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000-$499,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
3 Month Certificate	0.50%	0.50%	3 months
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000 or more Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
6 Month Certificate	0.50%	0.50%	6 months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000-$499,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
6 Month Certificate	0.45%	0.45%	6 months
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
12 Month Certificate	0.35%	0.35%	12 months
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000-$49,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
13-17 Month Certificate	0.35%	0.35%	13-17 months
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000-$49,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
48 Month Certificate	0.35%	0.35%	48 months
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000-$49,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
6 Month Certificate	0.35%	0.35%	6 months
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000-$49,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
60 Month Certificate	0.35%	0.35%	60 months
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000-$49,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
3 Month Certificate	0.25%	0.25%	3 months
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01-$99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
36 Month Certificate	0.25%	0.25%	36 months
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000-$49,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
IRA 60 month	0.25%	0.25%	60 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000-$49,999.99 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
18 Month Certificate	0.20%	0.20%	18 months
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000-$49,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
24 Month Certificate	0.20%	0.20%	24 months
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000-$49,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
IRA 48 month	0.20%	0.20%	48 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000-$49,999.99 Last Updated 10/07/2026 Rate History 1 change since Oct 2, 2026 · 0.25% → 0.20% ▼ 0.05 pts · high 0.25% / low 0.20% Oct 7, 20260.20%▼ from 0.25% Oct 2, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
24 Month Certificate	0.15%	0.15%	24 months
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01-$99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
36 Month Certificate	0.15%	0.15%	36 months
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01-$99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
IRA 24 month	0.15%	0.15%	24 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000-$49,999.99 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
IRA 36 month	0.15%	0.15%	36 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000-$49,999.99 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
IRA 48 month	0.15%	0.15%	48 months
Min Deposit $500 Min Balance $0 Details Balance: $0.01-$99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
IRA 60 month	0.15%	0.15%	60 months
Min Deposit $500 Min Balance $0 Details Balance: $0.01-$99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
13-17 Month Certificate	0.10%	0.10%	13-17 months
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01-$99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
18 Month Certificate	0.10%	0.10%	18 months
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01-$99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
3 Month Certificate	0.10%	0.10%	3 months
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000-$49,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
IRA 12 month	0.10%	0.10%	12 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000-$49,999.99 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
IRA 18 month	0.10%	0.10%	18 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000-$49,999.99 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
IRA 24 month	0.10%	0.10%	24 months
Min Deposit $500 Min Balance $0 Details Balance: $0.01-$99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
IRA 36 month	0.10%	0.10%	36 months
Min Deposit $500 Min Balance $0 Details Balance: $0.01-$99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
IRA 6 month	0.10%	0.10%	6 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000-$49,999.99 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
12 Month Certificate	0.05%	0.05%	12 months
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01-$99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
48 Month Certificate	0.05%	0.05%	48 months
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01-$99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
60 Month Certificate	0.05%	0.05%	60 months
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01-$99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
IRA 12 month	0.05%	0.05%	12 months
Min Deposit $500 Min Balance $0 Details Balance: $0.01-$99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
IRA 18 month	0.05%	0.05%	18 months
Min Deposit $500 Min Balance $0 Details Balance: $0.01-$99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
IRA 6 month	0.05%	0.05%	6 months
Min Deposit $500 Min Balance $0 Details Balance: $0.01-$99,999.99 Last Updated 10/07/2026 Rate History 1 change since Oct 2, 2026 · 0.03% → 0.05% ▲ 0.02 pts · high 0.05% / low 0.03% Oct 7, 20260.05%▲ from 0.03% Oct 2, 20260.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
3 Month Certificate	0.03%	0.03%	3 months
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01-$99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
6 Month Certificate	0.03%	0.03%	6 months
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01-$99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.03% APY · checked 2 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
Health Savings 1	0.65%	0.65%
Min Deposit $100 Min Balance $500,000 Details Health Savings Accounts are a checking account product that compounds interest every three months. Balance: $500,000 or more Last Updated 10/07/2026 Rate History No change since Sep 28, 2026 · 0.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
Health Savings 1	0.50%	0.50%
Min Deposit $100 Min Balance $100,000 Details Health Savings Accounts are a checking account product that compounds interest every three months. Balance: $100,000-$499,999.99 Last Updated 10/07/2026 Rate History No change since Sep 28, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
Health Savings 1	0.45%	0.45%
Min Deposit $100 Min Balance $0 Details Health Savings Accounts are a checking account product that compounds interest every three months. Balance: $0.01-$99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 28, 2026 · 0.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
Christmas Club 3	0.10%	0.10%
Min Deposit $100 Details Christmas Club Accounts do not have compounding or crediting of interest. Client receives a check disbursement or direct deposit to another F&M Bank account of the balance and all interest accrued on 11/1 of the year. Last Updated 10/07/2026 Rate History No change since Sep 28, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
Health Savings 1	0.10%	0.10%
Min Deposit $100 Min Balance $10,000 Details Health Savings Accounts are a checking account product that compounds interest every three months. Balance: $10,000-$49,999.99 Last Updated 10/07/2026 Rate History No change since Sep 28, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.06%
Youth Savings	0.10%	0.10%
No additional details. Last Updated 10/07/2026 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%
Market Rate Savings	0.05%	0.05%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000-$24,999.99 Last Updated 10/07/2026 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%
Market Rate Savings	0.05%	0.05%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 10/07/2026 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%
Market Rate Savings	0.05%	0.05%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/07/2026 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%
Market Rate Savings	0.05%	0.05%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000 or more Last Updated 10/07/2026 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%
Health Savings 1	0.03%	0.03%
Min Deposit $100 Min Balance $0 Details Health Savings Accounts are a checking account product that compounds interest every three months. Balance: $0.01-$99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 28, 2026 · 0.03% APY · checked 3 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 10/07/2026 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 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-$24,999.99 Last Updated 10/07/2026 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%
Market Rate Money Market	0.05%	0.05%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 10/07/2026 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%
Market Rate Money Market	0.05%	0.05%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/07/2026 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%
Market Rate Money Market	0.05%	0.05%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000 or more Last Updated 10/07/2026 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%
Market Rate Money Market	0.03%	0.03%
Min Deposit $100 Min Balance $0 Details Balance: $0.01-$9,999.99 Last Updated 10/07/2026 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 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 10/07/2026 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%
Platinum Checking	0.10%	0.10%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000.00 or more Last Updated 10/07/2026 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%
College Checking	0.05%	0.05%
Min Deposit $100 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 2 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 10/07/2026 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%
Interest on Checking 2	0.05%	0.05%
Min Deposit $200 Last Updated 10/07/2026 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%
Military Checking	0.05%	0.05%
No additional details. Last Updated 10/07/2026 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%
Platinum Checking	0.05%	0.05%
Min Deposit $100 Min Balance $0 Details Balance: $0.01-$9,999.99 Last Updated 10/07/2026 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%

F&M Bank of Long Beach Business Checking Rates

Product	Rate	APY	View More
Business Interest on Checking	1.99%	2.01%
Min Deposit $200 Last Updated 10/07/2026 Rate History 1 change since Sep 28, 2026 · 1.98% → 2.01% ▲ 0.03 pts · high 2.01% / low 1.98% 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%

F&M Bank of Long Beach Other Rates

Product	Rate	Points	APY/APR
Market Business	0.05%	-	0.05%
Min Deposit $5 Min Balance $0 Details Balance: $0.01-$999.99 Last Updated 10/07/2026 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%
Market Business	0.05%	-	0.05%
Min Deposit $5 Min Balance $1,000 Details Balance: $1,000-$19,999.99 Last Updated 10/07/2026 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%
Market Business	0.05%	-	0.05%
Min Deposit $5 Min Balance $20,000 Details Balance: $20,000 or more Last Updated 10/07/2026 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%

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

Institution Name F&M Bank of Long Beach

Bank Holding Company PALOMAR ENTERPRISES LLC

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

Website https://www.fmb.com

FDIC Certificate # 1225

Established 19071120

FDIC Insurance Date 19340101

Domestic Offices 27

Total Branches 27

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.06%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9726%

Return on Equity (ROE) 7.1000%

Non-Performing Loans (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 27

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

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

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Customer Reviews

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Frequently Asked Questions About F&M Bank of Long Beach

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.

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%
Savings0.65%
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 October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

F&M Bank of Long Beach Texas Ratio

F&M Bank of Long Beach Health Trend

F&M Bank of Long Beach CD Rates

F&M Bank of Long Beach Savings Rates

F&M Bank of Long Beach Money Market Rates

F&M Bank of Long Beach Checking Rates

F&M Bank of Long Beach Business Checking Rates

F&M Bank of Long Beach Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financial Health & Assets

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

Customer Reviews

Frequently Asked Questions About 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?

Current F&M Bank of Long Beach Rates

Compare to Other Banks