Plan for your future.

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


Open New Account

Savings Accounts Include

  • Online banking
  • Mobile banking app
  • Mobile deposits
  • Digital Statements
Family playing with new baby member in bed
Our most popular savings account

Personal Savings

  • 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.

Teens in domestic kitchen
A high-balance investment account

Money Market

  • 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.


Wherever you go this summer, make sure you stop by the beach
Invest in future happy memories

Club Savings: Christmas and Vacation

  • 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.

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 deductible1
  • Interest earned will accumulate on a tax-deferred basis
  • Annual contribution limits are $6,500
  • 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 time1.

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

1 Please consult with your tax advisor.