Bank · FDIC insured
First Farmers Bank & Trust CD Rates
First Farmers Bank & Trust’s best CD rate is 4.25% APY on a 19-month CD, with extra requirements. Terms run from 11 months to 19 months. Rates checked October 15, 2026.
How First Farmers Bank & Trust’s CD rates compare
Compared with banks and credit unions in Indiana, where First Farmers Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
First Farmers Bank & Trust
4.25%APY
- Term
- 19 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $681
19 Month CD
Top rate
Public Service Credit Union
6.00%APY
- Term
- 11 months
- Requires
- None
- Minimum
- $20
- Earns on $10,000
- $549
2nd-highest rate
Whiting Refinery Federal Credit Union
5.12%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $2,836
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
19 Month CD
Up to 4.25%APY · 1 term
Not available for Public Funds, Financial Institutions, or Individual Retirement Accounts. Maximum opening CD amount is $250,000. Automatically renews into an 18 month CD at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 19 monthsIncludes 0.20% bonus for opening and/or maintaining a FFBT checking account with a $1,000 minimum daily balance therein | 4.25% | $681 |
| 19 monthsRate for accounts not maintaining a FFBT checking account with a $1,000 minimum daily balance | 4.05% | $649 |
11-Month Flex CD
Up to 3.55%APY · 1 term
Not available for Public Funds, Financial Institutions, or Individual Retirement Accounts. Maximum opening CD amount is $250,000. Only one CD per tax identification number. Deposits may be made throughout the term but cannot exceed the initial deposit amount. One penalty-free withdrawal allowed after 30 days from account opening. Automatically renews into a 12 month CD at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 monthsRate for accounts not maintaining a checking account with a $1,000 minimum daily balance. Interest paid monthly | 3.35% | $307 |
| 11 monthsReflects 0.20% bonus for opening and/or maintaining an FFBT checking account with a $1,000 minimum daily balance therein. Interest paid monthly | 3.55% | $325 |
Special-purpose accounts
IRA - 18 Month Variable Rate
1.25%APY · 1 term
Early withdrawal penalties may apply. Potential for tax deductible qualification if IRS qualifications are met.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsCompounded quarterly | 1.25% | $188 |
Sources (1)
- ffbt.com/personal/deposits · captured Oct 15, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.