At First Farmers Bank & Trust, we think your money should work as hard as you do. That’s why we offer a range of savings account options. Each is designed to meet your personal savings needs and goals – whether your priority is higher earnings, greater liquidity, or tax-deferred retirement savings.

Statement Savings
Make managing your money easy, with a First Farmers Bank & Trust Statement Savings Account. Enjoy the convenience of an easy-to-read monthly statement summarizing all your account activity.

Savings for Kids
Designed for children 18 and under, this account makes saving fun. Plus, there’s no minimum balance and no monthly service charges.

Holiday Savings
A simple savings plan that helps you save for the holiday season, with no set deposit amount. You’ll receive a check in October so you can begin your holiday shopping early.

Money Market Savings
Enjoy an attractive rate of return without giving up easy access to your money.

Personal Investor Money Market
Earn more with our Personal Investor Money Market – the more you deposit, the higher your rate.

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? 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). Click here to find out more.

GET THE MOST OUT OF YOUR BANKING RELATIONSHIP Looking for the ultimate checking value, together with money-saving perks? Keep at least $5,000 in any combination of First Farmers Bank & Trust deposit accounts (including CDs and IRAs) and you can enjoy: FREE Online Banking and Bill Payment Periodic “Members Only” CD Specials Bonus CD rates and discounted loan rates No-fee Money Orders And more . . . Keep at least $10,000 in any combination of First Farmers Bank & Trust deposit accounts (including CDs and IRAs) and receive even more great benefits! Get the advantages you deserve. For more information, or to sign up, please speak with a member of our staff.

Deposits Insured
At First Farmers Bank & Trust, deposits are insured to at least $100,000 per depositor by the Federal Deposit Insurance Corporation (FDIC).