Special Consumer Loan Rates
Limited Time Offer!!

We’ve been financing life in the Valley since 1908, and we’re opening our vaults to make consumer loans with two special low rates:

1) Home Equity Loans with low fixed rate of 6.24% APR* and No Closing Costs
Term of the loan can be anywhere from 3 to 7 years
Payments and interest rate are fixed for the life of the loan
Use the funds for home improvements, debt consolidation, or any purpose!

The equity in your home can go to work for you.
Special Rate for term 8-10 years: 6.72% APR

*Certain credit criteria apply to qualify for this rate. Other rates and terms available. The Annual Percentage Rate (APR) is for new consumer purpose loans with a Combined Loan-to-Value ratio (CLTV) of 80% or less (higher if our bank holds the first deed of trust), a repayment term of 36 months up to 84 months, and automatic payment deduction from a Farmers & Merchants deposit account. Property insurance is required. Minimum loan amount $25,000; the bank will pay the closing costs; if loan is paid off in less then two years, some penalty may be imposed. Closing costs generally range from $300 to $700.
Payment example: $25,000/7-year term loan at 6.24% APR would result in a monthly payment of $369.18.
Payment example: $25,000/10-year term loan at 6.72% APR would result in a monthly payment of $287.92.
Other rates and terms available.

2) Home Equity Line of Credit with low introductory rate of 4.49% APR* and No Closing Costs - Introductory Rate for first 6 months
Low Prime Rate after that – currently 5.00% APR

*All the details you need to know: The  Annual Percentage Rate (APR) is for new equity lines of $25,000 or more with a combined loan-to-value ratio (CLTV) of 80% or less (higher if our bank holds the first deed of trust). The introductory rate will be in effect for the first 6 months of the loan. After that, the APR is Prime Rate (5.00% as of 8/20/08). The rate is variable and the maximum APR is 16%. Other rates and terms available. Property insurance is required. Normal credit approval applies. For new loans of $25,000+, the bank will pay the closing costs. Closing costs generally range from $300 to $700. External appraisal, if required, is the responsibility of the borrower. If you pay the outstanding balance and close the account on or before one calendar year after the opening date of the account you will reimburse Farmers & Merchants Bank $200 of the closing costs; if paid off within the second calendar year, your reimbursement will be $100.This is a limited time offer that may be withdrawn or changed at any time without notice.

3) Consumer Loans for any purpose at 7.75% APR**
Buy a car, consolidate debts, go on a vacation – our loan can finance it all!
Term of the loan up to 42 months.

**Certain credit criteria apply to qualify for this rate. Other rates and terms available. The Annual Percentage Rate (APR) is for new consumer purpose loans, a repayment term up to 42 months, and automatic payment deduction from a Farmers & Merchants deposit account. Minimum loan amount $2,500. Payment example: $5,000/42-month term loan at 7.75% APR would result in a monthly payment of $136.53.

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