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Customer Focused.

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

We will be closed Mon. for MLK Jr. Day.

In the meantime, stay safe on the roads!

Competitive Rates

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

Deposit Rate Specials

Effective Date: January 21, 2019  |  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  2.75%  2.72%
 $50,000  2.85%  2.82%
 $10,000  2.65%  2.62%

27 Months Min. Opening Deposit: $10,000

Min. Balance for APY Annual Percentage Yield3 Interest Rate
 $225,000  2.60%  2.58%
 $50,000  2.70%  2.67%
 $10,000  2.50%  2.48%

16 Months Min. Opening Deposit: $10,000

Min. Balance for APY Annual Percentage Yield3 Interest Rate
 $225,000  2.45%  2.43%
 $50,000  2.55%  2.53%
 $10,000  2.35%  2.33%

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

Min. Balance for APY Annual Percentage Yield3 Interest Rate
 $225,000  2.60%  2.58%
 $50,000  2.60%  2.58%
 $10,000  2.60%  2.58%

10 Months Min. Opening Deposit: $10,000

Min. Balance for APY Annual Percentage Yield3 Interest Rate
 $225,000  2.20%  2.18%
 $50,000  2.30%  2.28%
 $10,000  2.10%  2.08%

 

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

Mortgage Rates

Effective Date: January 22, 2019  |  Rates are subject to change

Type Rate APR
30 Year Conventional Fixed 4.750% 4.771%
20 Year Conventional Fixed 4.625% 4.653%
15 Year Conventional Fixed 4.125% 4.161%
Home Equity Line of Credit 5.500% 5.500%

News You Need to Know

Sign Up for a Winter Ag Meeting

Join us in Bloomington or Delavan on Friday, February 8 or Minier on Friday, February 15

Deadline Approaching for Scholarship Contest!

The deadline for the CBAI Essay Scholarship Contest is 5pm, Wednesday, January 23. If you're a high school senior (or know one), remind them of this opportunity!

Netflix Billing Scam is Back

If you're a Netflix user, an old billing scam is making a comeback.

Malicious Apps in Your App Store

Mobile devices and apps go together like peanut butter and jelly, but not all apps are created equal.

Don't Reuse Your Old Passwords

We all know this, but it bears repeating. Make your online accounts harder to hack with fresh new passwords.

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.

We're Here To Help

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Member FDIC Equal Housing Lender