18 Month Step-Up CD
Most CDs stay the same. This one doesn't. Most CDs lock you down. This one offers a penalty free withdrawal.**
4.25% Blended APY*
Step Up to better banking with First Farmers and the 18 Month Step-Up CD.
- Month 1 - 6: Earn 4.00% APY*
- Month 7 - 12: Earn 4.25% APY*
- Month 13 - 18: Earn 4.50% APY*
*Annual Percentage Yield (APY) effective August 4, 2026 and subject to change. $1,000 minimum deposit to open an 18 Month Step Up CD. APY reflects 0.20% Bonus for opening and/or maintaining a FFBT checking account with a $1,000 minimum balance therein. Without the relationship bonus, the blended APY is 4.05%. Maximum opening CD amount is $250,000. Offer may end at any time. Not available for public funds, financial institutions, or individual retirement accounts.
**After the first 6 months of the CD term, customer allowed one penalty free withdrawal. Penalty imposed for any other early withdrawal made during the CD term.