Certificates of Deposit (CDs)
Our certificates of deposit allow you to earn guaranteed returns over a specific period of time, no matter what happens in the financial markets.

Individual Retirement Accounts (IRAs)
Let us help you save for your retirement. Our retirement account offerings include Traditional IRAs, Roth IRAs, and Simplified Employee Pension plans (SEP).

Health Savings Accounts (HSA)
Confused about managing your healthcare dollars? A Health Savings Account (HSA) can be an excellent, cost-effective way to pay for health care costs and also to save money. With an HSA from First Farmers Bank & Trust you receive a competitive variable interest rate and check writing convenience, along with tax advantages (check with your tax advisor).

Need to talk to somebody about your HSA options? Call our HSA expert, Lori Wilson at 1-800-371-3316

Features include:

  • Checking Account
    Your HSA will be deposited with First Farmers Bank & Trust (Member FDIC). You will receive a monthly account statement, which details all deposits and withdrawals. If you have written checks, you will receive images of the checks with your statement. Your account balances are insured up to the limits imposed by the FDIC.
  • Debit MasterCard®
    Your Debit MasterCard can be used for your convenience to make Qualified Healthcare purchases anywhere MasterCard is accepted. Purchases will be automatically deducted from your HSA. Certain fees may apply - see our Truth-in-Savings for more information.
  • Checks
    If you ordered HSA Checks you will receive a special supply of Health Savings Account checks that can be used to pay for your Qualified Healthcare Expenses.
  • Interest Rates
    Your account may earn interest if your HSA account balance meets certain guidelines. For additional information see our Truth-in-Savings.
  • Internet Access
    You will have access to your account balances and activity through our website.
  • Telephone Banking
    You will have toll-free access to your account balances and activity by calling 1-888-350-3799. Once your HSA account is established simply call and sign up at no cost.


  • HSA accounts encourage savings for future medical expenses
    - Non-covered services under future coverage
    - When employer-sponsored coverage is lost during periods of unemployment
  • Other coverage
    - Medical expenses after retirement (before Medicare eligibility)
    - Insurance coverage after Medicare eligibility (except Medigap)
    - Out-of-pocket expenses for Medicare
    - Long-term care expenses
  • COBRA continuation coverage accounts are owned by the individual (not an employer). The individual decides:
    - How much to contribute
    - How much to use for medical expenses
    - Which medical expenses to pay from the account
    - Whether to pay for medical expenses from the account or save the account for future use
    - Which company will hold the account
  • Accounts are completely portable, regardless of:
    - Whether the individual is employed or not
    - Which employer the individual works for
    - Which state an individual moves to
    - Age or marital status changes
    - Future medical coverage
  • No “use it or lose it rules” like Flexible Spending Arrangements (FSAs)
    - Unspent balances in accounts remain in the account until spent on medical care
    - Encourages account holders to spend their funds more wisely on their medical care
    - Encourages account holders to shop around for the best value for the health care dollars
  • HDHP premiums should be cheaper than health insurance with traditional deductibles:
    - Favorable tax treatment
    - Contributions
    - Disbursements