100 YEARS STRONG ***** mebeex IEE Must have an F&M Bank checking account. PE Safe & Secure FOR 107 YEARS Rated as one of the nation's safest banks by nationally recognized bank rating firms Looking for a CD or IRA-CD? 4.50% On a 12 month CD or IRA-CD New money to F&M Bank. Minimum deposit $5,000. Limited time, in-branch offer only F&M BANK Where Banking is Easy! For branch locations go to fmbonline.com/locations 800-888-1498 To receive the advertised Annual Percentage Yield (APY) Certificate of Deposit (CD) and individual Retirement Account (RA)-CD specials require opening a CD or IRA-CD using new money, as defined below, and you must have a checking account with Farmers & Merchants Bank of Central California (Bank). New money are funds not currently on deposit with Farmers & Merchants Bank of Central Califomia or funds that have been on deposit for less than 30 calendar days. Minimum opening deposit and balance of $5,000 and a maximum of $1,000,000. Ask us about other available rates and terms. Interest on your CD or IRA-CD are calculated using the daily balance method and using a 365 day year or a 366 day year in leap years. APY listed assumes interest does not remain on deposit. Interest is not compounded and is paid either monthly, quarterly, semi-annually, or at maturity. Additional CD deposits before maturity are not permitted. Additional IRA-CD deposits before maturity are permitted but will earn the non-promotional posted rate in effect for the term of the IRA-CD at the time of deposit. Early CD or IRA-CD withdrawal penalties may apply and reduce eamings. If applicable, an IRA plan closing fee may apply. Upon maturing, the CD or IRA-CD will automatically renew for the original term period at the then current, non-promotional rate per the Bank's rate sheet. For terms and conditions, account information, and a list of fees and charges that may apply, please refer to our CD or IRA-CD Opening Disclosure and our Customer Agreement & Schedule of Charges, Books! & II. For additional terms and conditions that apply to all of our IRA plans, please refer to either the Traditional IRA Custodial Booklet or Roth IRA Custodial Booklet. The APY is accurate as of 4/4/2023 and are subject to change at any time without notice. BauerFinancial rating as of 1/20/2023. The Findley Reports rating is an annual award as of 12/31/2022. The Veribanc rating is an annual award as of 9/30/2022, ©2023 Farmers & Merchants Bank of Central California. All Rights Reserved. Member FDIC 100 YEARS STRONG ***** mebeex IEE Must have an F & M Bank checking account . PE Safe & Secure FOR 107 YEARS Rated as one of the nation's safest banks by nationally recognized bank rating firms Looking for a CD or IRA - CD ? 4.50 % On a 12 month CD or IRA - CD New money to F & M Bank . Minimum deposit $ 5,000 . Limited time , in - branch offer only F & M BANK Where Banking is Easy ! For branch locations go to fmbonline.com/locations 800-888-1498 To receive the advertised Annual Percentage Yield ( APY ) Certificate of Deposit ( CD ) and individual Retirement Account ( RA ) -CD specials require opening a CD or IRA - CD using new money , as defined below , and you must have a checking account with Farmers & Merchants Bank of Central California ( Bank ) . New money are funds not currently on deposit with Farmers & Merchants Bank of Central Califomia or funds that have been on deposit for less than 30 calendar days . Minimum opening deposit and balance of $ 5,000 and a maximum of $ 1,000,000 . Ask us about other available rates and terms . Interest on your CD or IRA - CD are calculated using the daily balance method and using a 365 day year or a 366 day year in leap years . APY listed assumes interest does not remain on deposit . Interest is not compounded and is paid either monthly , quarterly , semi - annually , or at maturity . Additional CD deposits before maturity are not permitted . Additional IRA - CD deposits before maturity are permitted but will earn the non - promotional posted rate in effect for the term of the IRA - CD at the time of deposit . Early CD or IRA - CD withdrawal penalties may apply and reduce eamings . If applicable , an IRA plan closing fee may apply . Upon maturing , the CD or IRA - CD will automatically renew for the original term period at the then current , non - promotional rate per the Bank's rate sheet . For terms and conditions , account information , and a list of fees and charges that may apply , please refer to our CD or IRA - CD Opening Disclosure and our Customer Agreement & Schedule of Charges , Books ! & II . For additional terms and conditions that apply to all of our IRA plans , please refer to either the Traditional IRA Custodial Booklet or Roth IRA Custodial Booklet . The APY is accurate as of 4/4/2023 and are subject to change at any time without notice . BauerFinancial rating as of 1/20/2023 . The Findley Reports rating is an annual award as of 12/31/2022 . The Veribanc rating is an annual award as of 9/30/2022 , © 2023 Farmers & Merchants Bank of Central California . All Rights Reserved . Member FDIC