First & Farmers National Bank

Putting YOU First!

Personal | Savings

/ Personal / Savings
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Plan for your future.

First & Farmers helps you prepare for wherever life takes you. 

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Savings Accounts Include

  • Online banking
  • Mobile banking app
  • Mobile deposits
  • eStatements

Personal Savings

Our most popular savings account

  • Earn interest on every penny
  • Open with just $25
  • $2 monthly service charge, only if balance drops below $25
  • ATM card*

*Excessive withdrawal fees may apply.

Money Market

A high-balance investment account

  • Earn interest on balances over $10,000**
  • $10 monthly service charge, if balance drops below $10,000
  • Ability to write checks
  • Minimum deposit to open is $100
  • ATM card*

*Excessive withdrawal fees may apply.

**Accounts which have ledger balances less than $10,000 will not earn interest for the days the account falls below this minimum.

Club Savings: Christmas and Vacation

Invest in future happy memories

  • Open with as little as $5
  • Earn a special rate of interest on your account
  • No maximum balance limitations
  • No monthly fee*

*No withdrawals permitted. Will result in $10 early withdrawal fee and closure of account.

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Free with all checking accounts

Mobile banking that’s reliably simple.

Deposits | Mobile Account Management | Transfers

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Round-up Savings Program

Save without trying. This optional program rounds each debit card purchase to the nearest whole dollar and deposits the change into a savings account.

  • Step 1: Open a FFNB checking account.
  • Step 2: Open a FFNB savings account.
  • Step 3: Make everyday purchases with you VISA debit card. The amount will be rounded to the next whole dollar and the change will be deposited into your savings account.

Certificates of Deposit – CDs

Short term, long term, big money or just starting out money.

  • Fixed rate/term 1-60 months
  • No penalty when you withdraw interest earned1
  • Minimum to open a CD is $500

Call or visit one of your local First & Farmers branches to speak with a Customer Service Representative for details on current interest rates.

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Individual Retirement Account – IRA

Save up for the better half of life with an IRA. New tax laws have made IRAs even more attractive. Whether you need to rollover a 401K, or you’re just starting to save for retirement, First & Farmers National Bank has the right option for you.

  • Contributions to your IRA may be tax deductible2 
  • Interest earned will accumulate on a tax-deferred basis
  • Annual contribution limits are $6,000 
  • Minimum to open an IRA is $100
  • 50 years old or older? You may be able to add an extra $1,000 per year, allowing you to reach your retirement goals quickly
  • Previous year contributions can be made by April 15 of the current year.

If you expect to be in the same or higher tax bracket at retirement, a Roth IRA may be a better option for you. While your contributions are not tax deferred, they may be tax exempt at any time2.

Call or stop by today and visit with one of our Customer Service Representatives.

1 Penalties may apply for early withdrawal of principal.
2 Please consult with your tax advisor.