CD Specials Built on Heart and Grit

At First Farmers Bank & Trust, our CD Specials are designed to help you save smarter, earn more, and move confidently toward your financial goals—all backed by the heart and grit that have defined us for more than 140 years.

Whether you're planning ahead, building a stronger financial foundation, or simply looking for a safe way to earn more on your money, our CD options give you dependable growth with competitive, up‑to‑date rates.

* 3.55% Annual Percentage Yield (APY) effective 01/06/2026 and subject to change. $1,000 minimum deposit to open a 11 Month Flex CD. APY reflects 0.20% Bonus for opening and/or maintaining an FFBT checking account with a $1,000 minimum daily balance therein. Accounts not maintaining a checking account will receive an APY of 3.35%. Maximum opening CD amount is $250,000. Interest will be paid monthly on balance of CD. Only one CD per tax identification number. Offer may end at any time. This product automatically renews into a 12 month CD at Maturity. Not available for Public Funds, Financial Institutions, or Individual Retirement Accounts. Fees may reduce earnings.
** Deposits may be made into the 11 Month Flex CD but cannot exceed the initial deposit amount.
*** Customer is allowed one penalty free withdrawal after 30 days from account opening. Penalty imposed for any other early withdrawal made during the CD term.

****3.65% Annual Percentage Yield (APY) effective 01/06/2026 and subject to change. $1,000 minimum deposit to open a 19 Month CD. APY reflects a 0.20% bonus for opening and/or maintaining a FFBT checking account with a $1,000 minimum daily balance therein. Accounts not maintaining a checking account will receive an APY of 3.45%. Maximum opening CD amount is $250,000. Penalty imposed for early withdrawal during the CD term. Offer may end at any time. This product automatically renews into an 18 month CD at maturity. Not available for Public Funds, Financial Institutions, or Individual Retirement Accounts. Fees may reduce earnings.