*Annual Percentage Yield (APY) is accurate as of January 1, 2026. An Annual Percentage Rate of 2.75% (2.78% APY) will apply for 182 days from account opening; thereafter, a tiered rate structure will apply and can change at any time. See a First Farmers and Merchants Bank representative for information on current rate tiers. A $2,500 minimum is required to open and must be maintained to receive promotional APY. To take advantage of this offer, customer must have another deposit account with First Farmers and Merchants Bank. More than six withdrawals or transfers during any statement cycle will be subject to penalty. A maintenance fee of $15.00 will be applied if the balance falls below $2,500 at any point during the statement cycle. Offer is subject to change without notice.
Public Funds are not eligible for this offer.
Limited time offer. Call us at 800.882.8378 to unlock your savings options.
