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Planning an out of state of vacation? Remember to contact your local branch or the Call Center at 1-866-633-4450 to let us know the dates and states through which you will be traveling. We will place a Travel Note on file to help prevent any delays with debit card transactions while you are out of town.

Need to reset your debit card PIN? Contact your local branch or the Call Center at the number listed above for a temporary PIN reset.

When contacting the Call Center directly let them know you are a customer of First Farmers Bank. Also have your mother's maiden name and driver's license number available for security and identification purposes.
Recent phishing scams you should know about!

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HomeInvestments Retirement





Fixed IRA

    • Minimum Opening/Renewal Deposits Of $1,000.00
    • Interest is compounded quarterly, semi-annually, or annually.
    • IRA May Have The Same Terms And Rates As FFB's Certificates Of Deposit
    • At The Age Of 59 1/2, An Interest Payment Option May Be Chosen.
    • Withdrawals of Funds Prior to Maturity Incurs a Penalty.
    • 1 year or Less -- 90 days of Interest
      More than 1 year --180 days of Interest
      In Death Occurrences, there is no penalty
      Grace Period of Ten Calandar Days Granted To Account Holder After Maturity
    • Withdrawals under the age of 59 1/2 may incur penalties by the IRS and Tax ramifications
    • Click Here For Current Rates

      Apply Now

      Account Disclosures

Roth IRA

  • Distributions may be made if the following circumstances are met:
    1) Attainment of age 59 1/2
    2) Disabled
    3) Purchase of first home
    4) Death
    5) Five years lapse from the first year in which a contribution was made
  • If the above requirements are not met, any earnings you draw from your Roth will be subject to early withdrawal penalty as well as tax ramifications. Any contributions made by account holder are removed first before distribution penalties apply.
  • No required minimum distribution age as with a traditional IRA.
  • Under certain conditions, traditional IRA's may be converted to Roth IRA.

Click Here For Current Rates

Apply Now

Account Disclosures


Questions? Comments? Contact us today!
Owenton: 1-502-484-3434
Gratz: 1-502-484-2698
Warsaw: 1-859-567-6100
New Liberty: 1-502-463-2254

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By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

FDIC Electronic Deposit Insurance Estimator (EDIE)
EDIE is used to calculate insurance coverage for all types of deposit accounts offered by FDIC-insured banks. For more information about the FDIC's Electronic Deposit Insurance Estimator- EDIE visit https://www.fdic.gov/edie.

Account disclosures that include current rates, terms, and fees (if any) are available at any First Farmers Bank location.

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