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Employee Owned.
Customer Focused.

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

Photo credit: Tom's Photography (Country road in rural Bloomington)

Competitive Rates

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

Mortgage Rates

Effective Date: October 22, 2018  |  Rates are subject to change

Type Rate APR
30 Year Conventional Fixed 5.125% 5.146%
20 Year Conventional Fixed 4.875% 4.904%
15 Year Conventional Fixed 4.500% 4.536%
Home Equity Line of Credit 5.250% 5.250%

Deposit Rate Specials

Effective Date: October 22, 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

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 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.

5 Stars for 4 Years

First Farmers is proud to be named a 5-star bank for 16 consecutive quarters by Bauer Financial, Inc.

Listen to Powerful Speakers at TEDx Normal 2018!

The 4th Annual TEDx Normal 2018 will bring you 9 powerful speakers - LIVE - each selected to inspire, inform, and challenge you with new and interesting ways of thinking.

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