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About First Farmers
Rates & CalculatorsWe put you first with Central Indiana's best rates and customer service.

Current Rates
At First Farmers Bank & Trust you'll find we have the great deposit, loan and home financing rates you need to reach all of your financial goals. For current rates, please contact your local First Farmers Bank & Trust office.

Our interactive calculators can help you make informed financial decisions. Click on one of the links below to get started:

Business Calculators

  • Profit Margin Calculator
    Use this calculator to help determine the selling price for your products to achieve a desired profit margin. By entering the wholesale cost, and either the markup or gross margin percentage, we calculate the required selling price and gross margin.

Home Equity

  • Home Equity Debt Consolidation
    Use this calculator to help determine whether using your home equity to consolidate your debt is right for you. Enter your credit cards, installment loans and any other debt you wish to consolidate.

Loan Calculators

  • Amortizing Loan Calculator
    Enter your desired payment - and let us calculate your loan amount. Or, enter in the loan amount and we will calculate your monthly payment!
  • Loan Comparison Calculator
    Compare three different loan offers including options for rates, term, fees and closing costs.

Mortgage Calculators

  • ARM vs. Fixed Rate Mortgage
    Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.
  • Mortgage comparison: 15 years vs. 30 years
    With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms to decide which term is right for you.
  • Refinance Breakeven
    Use this calculator to determine at what point you would breakeven on refinancing your mortgage.

Savings Calculators

  • CD Ladder Calculator
    Use this calculator to examine the benefits of investing in a series of Certificates of Deposits with different maturities, also called a CD Ladder.
  • Savings Calculator
    Find out how consistent investments over a number of years can be an effective strategy to accumulate wealth.

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

People you can trust
If you have any questions about our products and services, please use our information request form, visit any of our offices, or call (800) 371-3316 to speak with a member of our staff. We will be happy to answer your questions and assist you in selecting the products and services that best meet your financial needs.

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First Farmers Bank & TrustMember FDIC Equal Housing Lender