Fraud Alert

First Bank and Trust Company has been notified of a fraudulent text message being received by some customers. Do not respond, click any links, or give out your information. More Information

Online Account Rates

Home
Rates

Money Market Account

Average Daily Balance Range	Interest Rate	Annual Percentage Yield (APY)
$1,500.00 - $2,499.99	0.10%	0.10%
$2,500.00 - $9,999.99	0.50%	0.50%
$10,000.00 - $24,999.99	0.75%	0.75%
$25,000.00 - $99,999.99	0.80%	0.80%
$100,000.00 - $499,999.99	1.00%	1.00%
$500,000 - $1 million +	1.10%	1.11%

Premier Checking with Perks Account

Average Daily Balance Range	Interest Rate	Annual Percentage Yield (APY)
Below $2,500.00	0.00%	0.00%
Equal to or greater than $2,500.00	0.10%	0.10%

Relationship Money Market Account

Average Daily Balance Range	Interest Rate	Annual Percentage Yield (APY)
Below $25,000.00	0.25%	0.25%
Equal to or greater than $25,000.00	1.59%	1.60%

6-Month Certificate of Deposit

Average Daily Balance Range	Interest Rate	Annual Percentage Yield (APY)
All Balances	2.00%	2.01%

12-Month Certificate of Deposit

Average Daily Balance Range	Interest Rate	Annual Percentage Yield (APY)
All Balances	3.00%	3.03%

Savings Account

Average Daily Balance Range	Interest Rate	Annual Percentage Yield (APY)
All Balances	0.25%	0.25%

*The Annual Percentage Yield (APY) and interest rates are accurate as of January, 2 2026. Rates are subject to change without notice.

Contact Us

Let's Get Started Working Together