We have recently been made aware of someone attempting to spoof the First Farmers State Bank toll free number. Spoofing occurs when someone deliberately falsifies the information transmitted to your caller ID display to disguise their identity. In this spoofing, the fraudulent caller looked as if they were calling from First Farmers State Bank.
First Farmers State Bank is NOT the source of these phone calls, and will never ask you to disclose account information over the phone. We will never call you asking for a PIN, card number, account number, or anything such as this. If you receive one of these calls please hang up immediately and contact you nearest First Farmers State Bank branch.
Please be sure to contact a Personal Banker to learn of the security features available to protect you and your family with your debit and mobile banking accounts.
Competitive Rates
First Farmers State Bank has competitive rates designed to fit exactly what you're looking for.
Deposit Rate Specials
Effective Date: January 20, 2020
| 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 | 1.45% | 1.44% |
| $50,000 | 1.55% | 1.54% |
| $10,000 | 1.35% | 1.34% |
27 Months Min. Opening Deposit: $10,000
| Min. Balance for APY | Annual Percentage Yield3 | Interest Rate |
|---|---|---|
| $225,000 | 1.45% | 1.44% |
| $50,000 | 1.55% | 1.54% |
| $10,000 | 1.35% | 1.34% |
16 Months Min. Opening Deposit: $10,000
| Min. Balance for APY | Annual Percentage Yield3 | Interest Rate |
|---|---|---|
| $225,000 | 1.50% | 1.49% |
| $50,000 | 1.60% | 1.59% |
| $10,000 | 1.40% | 1.39% |
14 Months (CONSUMER ONLY) Min. Opening Deposit: $10,000 (NEW MONEY)
| Min. Balance for APY | Annual Percentage Yield3 | Interest Rate |
|---|---|---|
| $225,000 | 1.75% | 1.74% |
| $50,000 | 1.75% | 1.74% |
| $10,000 | 1.75% | 1.74% |
10 Months Min. Opening Deposit: $10,000
| Min. Balance for APY | Annual Percentage Yield3 | Interest Rate |
|---|---|---|
| $225,000 | 1.50% | 1.49% |
| $50,000 | 1.60% | 1.59% |
| $10,000 | 1.45% | 1.44% |
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, 2020 | Rates are subject to change
| Type | Rate | APR |
|---|---|---|
| 30 Year Conventional Fixed | 3.750% | 3.770% |
| 20 Year Conventional Fixed | 3.500% | 3.527% |
| 15 Year Conventional Fixed | 3.125% | 3.160% |
| Home Equity Line of Credit | 5.000% | 5.000% |
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