Bank · FDIC insured
First Farmers Bank & Trust Savings Rates
First Farmers Bank & Trust’s best savings rate is 2.70% APY on $10,000, with its Prime Money Market. Rates checked October 15, 2026.
How First Farmers Bank & Trust’s savings 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
2.70%APY
- Minimum
- —
- Earns on $10,000 a year
- $270
Prime Money Market
Top rate
GreenWay Bank
4.25%APY
- Minimum
- $5,000
- Earns on $10,000 a year
- $425
2nd-highest rate
CFBank
4.25%APY
- Minimum
- —
- Earns on $10,000 a year
- $425
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Prime Money Market Special
3.25%APY
Must open with at least $25,000.00 in new money to earn Promotional APY. Promo APY is effective for 90 days after account opening, then reverts to the standard APY. APY tiers apply to the entire balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Guaranteed promo rate for 90 days with at least $25,000 in new money. $25/month fee if daily minimum balance requirement is not met within the statement cycle. | 3.25% | $325 | Guaranteed promo rate for 90 days with at least $25,000 in new money. $25/month fee if daily minimum balance requirement is not met within the statement cycle. |
| $100,000 – $225,000Guaranteed promo rate for 90 days with at least $25,000 in new money. $25/month fee if daily minimum balance requirement is not met within the statement cycle. | 3.75% | — | Guaranteed promo rate for 90 days with at least $25,000 in new money. $25/month fee if daily minimum balance requirement is not met within the statement cycle. |
| $225,000 – $300,000Guaranteed promo rate for 90 days with at least $25,000 in new money. $25/month fee if daily minimum balance requirement is not met within the statement cycle. | 4.00% | — | Guaranteed promo rate for 90 days with at least $25,000 in new money. $25/month fee if daily minimum balance requirement is not met within the statement cycle. |
| $300,000 and upGuaranteed promo rate for 90 days with at least $25,000 in new money. $25/month fee if daily minimum balance requirement is not met within the statement cycle. | 4.00% | — | Guaranteed promo rate for 90 days with at least $25,000 in new money. $25/month fee if daily minimum balance requirement is not met within the statement cycle. |
Sources (1)
- ffbt.com/prime-money-market-special · captured Sep 18, 2026
Prime Money Market
2.70%APY
APY tiers apply to the entire balance based on average daily balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100,000 | 2.70% | $270 |
| $100,000 – $225,000 | 3.20% | — |
| $225,000 – $300,000 | 3.45% | — |
| $300,000 and up | 3.45% | — |
Sources (1)
- ffbt.com/prime-money-market-special · captured Sep 18, 2026
Special-purpose accounts
Health Savings Account
0.75%APY
Available to individuals with a high-deductible health plan (HDHP). Requires maintaining a minimum daily balance of $1,000.00 to obtain disclosed APY. Monthly administration fee of $3.00 is waived if enrolled in e-statements.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Compounded and credited monthly. Monthly administration fee waived if enrolled in e-statements. | 0.00% | — | Compounded and credited monthly. Monthly administration fee waived if enrolled in e-statements. |
| $1,000 – $5,000Compounded and credited monthly. Monthly administration fee waived if enrolled in e-statements. | 0.35% | — | Compounded and credited monthly. Monthly administration fee waived if enrolled in e-statements. |
| $5,000 – $15,000Compounded and credited monthly. Monthly administration fee waived if enrolled in e-statements. | 0.75% | $75 | Compounded and credited monthly. Monthly administration fee waived if enrolled in e-statements. |
| $15,000 and upCompounded and credited monthly. Monthly administration fee waived if enrolled in e-statements. | 1.01% | — | Compounded and credited monthly. Monthly administration fee waived if enrolled in e-statements. |
Sources (2)
All captured Sep 18, 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.