Do you have a question regarding the transition from First Farmers State Bank to Bank of Pontiac? Check out our Merger FAQ!
First Farmers State Bank customers will soon be receiving a Merger Conversion Booklet in the mail. Please be on the lookout!
Download an electronic version of the Merger Conversion Booklet here
Competitive Rates
First Farmers State Bank has competitive rates designed to fit exactly what you're looking for.
Deposit Rate Specials
Effective Date: July 20, 2021
| Rates are subject to change
First Rate Specials1
Time Certificates of Deposit2
27 Months Min. Opening Deposit: $10,000
| Min. Balance for APY | Annual Percentage Yield3 | Interest Rate |
|---|---|---|
| $225,000 | 0.45% | 0.45% |
| $50,000 | 0.45% | 0.45% |
| $10,000 | 0.45% | 0.45% |
14 Months
| Min. Balance for APY | Annual Percentage Yield3 | Interest Rate |
|---|---|---|
| $225,000 | 0.35% | 0.35% |
| $50,000 | 0.35% | 0.35% |
| $10,000 | 0.35% | 0.35% |
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: March 26, 2021 | Rates are subject to change
| Type | Rate | APR |
|---|---|---|
| 30 Year Conventional Fixed | 4.125% | 4.145% |
| 20 Year Conventional Fixed | 4.250% | 4.278% |
| 15 Year Conventional Fixed | 3.375% | 3.410% |
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