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Step Up Savings

If you're looking for a traditional savings account, First Farmers has a bonus in store for you: your interest rates "step up" automatically through six levels as your balance grows.

Tier 1: $0.00 to $9,999.99
Tier 2: $10,000.00 to $49,999.99
Tier 3: $50,000.00 to $99,999.99
Tier 4: $100,000.00 to $499,999.99
Tier 5: $500,000.00 to $999,999.99
Tier 6: $1,000,000.00 and above
  • $25.00 to open.
  • Interest accrues on the daily ledger balance and is credited monthly.
  • Interest rate subject to change without notice.
  • You may access your Step-Up Savings account with your ATM or Visa debit card at any First Farmers ATM. Access available at foreign ATMs, but transaction fees will apply.
  • The bank provides you with personalized deposit and withdrawal tickets.
  • You may authorize automatic deposits from your First Farmers checking account into your Step-Up Savings account.
Step-Up Savings Fees
Minimum Daily Balance Monthly Maintance Fee
$125.00 and over None
Under $125.00 $3.00

(Maintenance & activity fees waived for children thru 18, full-time students thru age 23 and persons age 62 and older).

Transaction Limitations

  • You may make as many as six (6) withdrawals from your account per monthly statement cycle.
  • Your account will be assessed a $15.00 fee for each withdrawal in excess of the six (6) allowable withdrawals per statement cycle. It is a regulatory requirement that accounts be closed for repeated violations of excessive withdrawal limitations. See account disclosure for more details.