First Bankers Trust Company, National Association: Savings Accounts, CDs, Money Market & Rates

Updated: 8/19/2026

Mission: Banksparency aims to make First Bankers Trust Company, National Association's deposit accounts transparent and comparable to the market.

Interest rates reported as APY

Analysis of First Bankers Trust Company, National Association

Our verdict

CD Analysis

First Bankers Trust Company, National Association offers CDs paying up to 3.45% APY on its 7 months term, across 12 term lengths.

Tracking 20 active CD products, useful for locking in today's rate before further moves at the Fed.

Best CD use: locking in 3.45% APY for a 7 months term and laddering across multiple maturities.

First Bankers Trust Company, National Association also offers Personal Money Market Account, a money market account paying 1.00% APY with a $50 minimum deposit.

At 1.00% APY, First Bankers Trust Company, National Association pays above the national money market average of 0.63%.

Additional Accounts

a savings account at 0.01% APY.
Smart Business Money Market Account, a business money market account at 2.02% APY.

Ideal User Profile

Best for: simple saving without extra requirements.

Important Considerations

Smart Business Money Market Account is a business money market account. Available to business customers.

No app ratings available for this bank.

iOS app rating is not available.

Android app rating is not available.

Deposit Accounts Overview

Smart Business Money Market Account

Savings

2.02% APY

Tiered Range: 0.10% - 2.02%

StableNo rate changes in last 7 days

Min: $50 Branch Access

Rank #135 of 337 tracked.

Savings Account

Savings

0.01% APY

StableNo rate changes in last 7 days

Min: $50 Branch Access

Rank #335 of 337 tracked.

Personal Money Market Account

Money Market

1.00% APY

Tiered Range: 0.10% - 1.00%

Min: $50 Branch Access

Market Reality Check

This institution offers rates below the top 10 savings and money market accounts we track. Those institutions all pay at least 4.01% APY.

See Top Rates

National Avg: 0.38% (FDIC, 8/1/2026).
Banksparency tracks live rates daily.

Bank Overview

HQ LocationQuincy, IL
Deposit InsuranceFDIC Insured(Cert: 16501)

Visit Official Website

Featured Offers

Axos ONE - High Yield Savings & Checking

Over 95,000 fee-free ATMs
Get paid up to 2 days early with Direct Deposit
One convenient app for spending & saving

FDIC Insured

Savings4.21%APY

Checking0.51%APY

Go to Axos Bank

FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	0
Min. Balance in Savings Account	0
How to qualify for APY	OPTION ADirect Deposit $1,500+ AND Maintain $1,500+ avg daily checking balance. OR OPTION BDeposit $5,000+ total/mo AND Maintain $5,000+ avg daily checking balance.
Mobile Ratings	iOS:4.7 Android:4.5

The APY is available with the Axos ONE savings and checking bundle. The checking account also earns interest. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000.

EASY TRANSFERS, LOW MINIMUMS

SponsoredVerified Aug 19, 2026

FDIC Insured

Quontic High Yield Savings

Apply in 3 minutes or less
No monthly service fees
Transfer with Zelle, Apple Pay, G-Pay, and more

FDIC Insured

Savings3.20%APY

Go to Quontic Bank

FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	10000
Min. Balance in Savings Account	0
Mobile Ratings	iOS:4.8 Android:4.9

Deposit Accounts: In-Depth View

Savings Accounts Offered by First Bankers Trust Company, National Association

Feature	Savings Account
APY	0.01%Range: 0.00% - 0.01%Verified: 8/19/2026
APY Trend	StableNo rate changes in last 7 days
Min. Deposit	$50
Min. Balance	$100
Monthly Fee	N/A
Direct Deposit	None
Checking Bundle	No
In-Branch Access	Yes
Compounding	N/A
FDIC Insured	Yes
Eligibility	United States
Next Steps	-

Interactive Tool

Calculate Savings for First Bankers Trust Company, National Association

All calculations are based on APY.

Choose savings account

Initial deposit

Recurring deposit

Frequency

Duration

Savings Breakdown

Interest Earned
+$772.10(5.2%)
Total Contributions
$13,000
Initial Deposit
$1,000

Projected Balance

$14,772.10

Effective APY

2.02%

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

First Bankers Trust Company, National Association Deposit Rates Over Time

No historical data available.

Compare with First Bankers Trust Company, National Association

Feature	Current View First Bankers Trust Company, National Association	Empty Slot
Product	Savings Account	-
APY	0.00% - 0.01%Verified: 8/19/2026	-
APY Trend	StableNo rate changes in last 7 days	-
Min. Deposit	$50	N/A
Monthly Fee	N/A	-
Direct Deposit	No	-
Checking Bundle	No	-
In-Branch Access	Yes	-
Eligibility	United States	-
Compounding	N/A	-
FDIC or NCUA Insured	Yes	-
Next Steps	-	-

CD Overview

3.45% Highest APY

Across 20 CD products with terms: 6 months, 3 months, 17 months, 11 months, 7 months, 4 months, 60 months, 36 months, 24 months, 48 months, 18 months, 12 months

CD Products Offered by First Bankers Trust Company, National Association

Feature	91 Day IRA CD 3 months	91 Day CD 3 months	4 Month Special CD 4 months	182 Day CD 6 months	182 Day IRA CD 6 months	7 Month Special CD 7 months	11 Month Special CD 11 months	12 Month IRA CD 12 months	12 Month CD 12 months	17 Month Special CD 17 months	18 Month IRA CD 18 months	18 Month CD 18 months	24 Month IRA CD 24 months	24 Month CD 24 months	36 Month CD 36 months	36 Month IRA CD 36 months	48 Month IRA CD 48 months	48 Month CD 48 months	60 Month CD 60 months	60 Month IRA CD 60 months
APY	0.70%Verified: 8/19/2026	0.70%Verified: 8/19/2026	3.45%Verified: 8/19/2026	0.90%Verified: 8/19/2026	0.90%Verified: 8/19/2026	3.45%Verified: 8/19/2026	3.40%Verified: 8/19/2026	1.00%Verified: 8/19/2026	1.00%Verified: 8/19/2026	3.35%Verified: 8/19/2026	1.20%Verified: 8/19/2026	1.20%Verified: 8/19/2026	1.30%Verified: 8/19/2026	1.30%Verified: 8/19/2026	1.40%Verified: 8/19/2026	1.40%Verified: 8/19/2026	1.61%Verified: 8/19/2026	1.61%Verified: 8/19/2026	1.81%Verified: 8/19/2026	1.81%Verified: 8/19/2026
Term	3 months	3 months	4 months	6 months	6 months	7 months	11 months	12 months	12 months	17 months	18 months	18 months	24 months	24 months	36 months	36 months	48 months	48 months	60 months	60 months
Min. Deposit	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000
Early Withdrawal	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FDIC Insured	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes

First Bankers Trust Company, National Association CD Rates Over Time

Money Market Accounts Offered by First Bankers Trust Company, National Association

Feature	Personal Money Market Account
APY	1.00%Range: 0.10% - 1.00%Verified: 8/19/2026
Min. Deposit	$50
Min. Balance	$0
Monthly Fee	N/A
Direct Deposit	None
In-Branch Access	Yes
Compounding	N/A
FDIC Insured	Yes
Eligibility	United States

Alternatives to First Bankers Trust Company, National Association

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