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RATED 5 STARS FOR 4 CONSECUTIVE YEARS BY BAUER FINANCIAL, INC.

HAPPY HOLIDAYS from First Farmers!

Click here for our holiday hours.

Competitive Rates

First Farmers State Bank has competitive rates designed to fit exactly what you're looking for.

Mortgage Rates

Effective Date: December 14, 2018  |  Rates are subject to change

Type Rate APR
30 Year Conventional Fixed 4.875% 4.896%
20 Year Conventional Fixed 4.750% 4.779%
15 Year Conventional Fixed 4.375% 4.411%
Home Equity Line of Credit 5.250% 5.250%

Deposit Rate Specials

Effective Date: December 10, 2018  |  Rates are subject to change

First Rate Specials1

Time Certificates of Deposit2

38 Months Min. Opening Deposit: $10,000

Min. Balance for APY Annual Percentage Yield3 Interest Rate
 $225,000  2.65%  2.62%
 $50,000  2.75%  2.72%
 $10,000  2.55%  2.53%

27 Months Min. Opening Deposit: $10,000

Min. Balance for APY Annual Percentage Yield3 Interest Rate
 $225,000  2.40%  2.38%
 $50,000  2.50%  2.48%
 $10,000  2.30%  2.28%

16 Months Min. Opening Deposit: $10,000

Min. Balance for APY Annual Percentage Yield3 Interest Rate
 $225,000  2.25%  2.23%
 $50,000  2.35%  2.33%
 $10,000  2.15%  2.13%

14 Months (CONSUMER ONLY) Min. Opening Deposit: $10,000 (NEW MONEY)

Min. Balance for APY Annual Percentage Yield3 Interest Rate
 $225,000  2.35%  2.33%
 $50,000  2.35%  2.33%
 $10,000  2.35%  2.33%

10 Months Min. Opening Deposit: $10,000

Min. Balance for APY Annual Percentage Yield3 Interest Rate
 $225,000  2.00%  1.99%
 $50,000  2.10%  2.08%
 $10,000  1.90%  1.89%

 

1 - First Rate Specials will renew at the Traditional Time Certificate of Deposit rates and terms as outlined in account disclosures
2 - A penalty will be imposed for early withdrawal
3 - APY assumes interest will remain on deposit, capitalizing quarterly

News You Need to Know

Scholarship Opportunity!

High school seniors planning to continue their education are encouraged to apply for the CBAI Essay Scholarship Contest.

DATE CHANGE for Christmas in the Land of Lincoln

The Minier Christmas Parade originally scheduled for Dec. 1 has been rescheduled for Dec. 8!

First Farmers Offers Text Fraud Alerts!

Beginning Monday, September 24, we will alert you by text if we suspect your debit card was used in a fraudulent transaction.

Don't Fall For This Power Trip

Be careful of scammers posing as power company representatives threatening disconnection if you don’t make an immediate payment. 

First Farmers Now Offers Apple Pay and Android Pay!

Enter your First Farmers card info into the app for your phone and make payments easily!

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Member FDIC Equal Housing Lender