First Mid Bank & Trust, National Association: Savings Account, CDs, Money Market & Rates

Updated: 8/15/2026

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

Interest rates reported as APY

Analysis of First Mid Bank & Trust, National Association

Our verdict

First Mid Bank & Trust, National Association offers Jumbo Money Market, a money market account paying 3.44% APY with a $50,000 minimum deposit. A minimum balance of $50,000 is required to earn this rate.

At 3.44% APY, First Mid Bank & Trust, National Association pays 5x the national money market average of 0.63%.

Additional Accounts

a money market account at 0.50% APY.
a savings account at 0.05% APY.

Ideal User Profile

Best for: simple saving without extra requirements.

CD Analysis

First Mid Bank & Trust, National Association also offers CDs paying up to 2.75% APY on its 60 months term, across 9 term lengths.

Tracking 15 active CD products, useful for locking in today's rate before further moves at the Fed.

Best CD use: locking in 2.75% APY for a 60 months term and laddering across multiple maturities.

Important Considerations

No app ratings available for this bank.

iOS app rating is not available.

Android app rating is not available.

Deposit Accounts Overview

Savings Account

Savings

0.05% APY

Min: $50 Branch Access

Rank #294 of 337 tracked.

Jumbo Money Market

Money Market

3.44% APY

Min: $50,000 Branch Access

The interest rate on the upper tiers is indexed to the Federal Funds Effective Rate less a stated margin, so the APY moves when that index moves.

Money Market Account

Money Market

0.50% APY

Tiered Range: 0.05% - 0.50%

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 LocationMattoon, IL
Deposit InsuranceFDIC Insured(Cert: 3705)

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 Account Offered by First Mid Bank & Trust, National Association

Feature	Savings Account
APY	0.05%Verified: 8/15/2026
APY Trend	N/A
Min. Deposit	$50
Min. Balance	$0
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 Mid Bank & Trust, National Association

All calculations are based on APY.

Selected product

Savings Account0.05% APY

Initial deposit

Recurring deposit

Frequency

Duration

Savings Breakdown

Interest Earned
+$18.60(0.1%)
Total Contributions
$13,000
Initial Deposit
$1,000

Projected Balance

$14,018.60

Effective APY

0.05%

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

First Mid Bank & Trust, National Association Deposit Rates Over Time

No historical data available.

Compare with First Mid Bank & Trust, National Association

Feature	Current View First Mid Bank & Trust, National Association	Empty Slot
Product	Savings Account	-
APY	0.05%Verified: 8/15/2026	-
APY Trend	N/A	-
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

2.75% Highest APY

Across 15 CD products with terms: 9 months, 60 months, 48 months, 36 months, 24 months, 18 months, 12 months, 6 months, 3 months

CD Products Offered by First Mid Bank & Trust, National Association

Feature	3 Month CD 3 months	6 Month CD 6 months	9 Month CD 9 months	12 Month IRA CD 12 months	12 Month CD 12 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 IRA CD 36 months	36 Month CD 36 months	48 Month IRA CD 48 months	48 Month CD 48 months	60 Month IRA CD 60 months	60 Month CD 60 months
APY	0.30%Verified: 8/15/2026	0.30%Verified: 8/15/2026	0.30%Verified: 8/15/2026	0.40%Verified: 8/15/2026	0.40%Verified: 8/15/2026	0.45%Verified: 8/15/2026	0.45%Verified: 8/15/2026	2.75%Verified: 8/15/2026	2.75%Verified: 8/15/2026	2.75%Verified: 8/15/2026	2.75%Verified: 8/15/2026	2.75%Verified: 8/15/2026	2.75%Verified: 8/15/2026	2.75%Verified: 8/15/2026	2.75%Verified: 8/15/2026
Term	3 months	6 months	9 months	12 months	12 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	$500	$1,000	$500	$1,000	$500	$1,000	$500	$1,000	$500	$1,000	$500	$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
FDIC Insured	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes

First Mid Bank & Trust, National Association CD Rates Over Time

Not enough rate history to show a chart. We have CD rates for this bank from one day only. The chart shows when we collect more data.

Money Market Accounts Offered by First Mid Bank & Trust, National Association

Feature	Jumbo Money Market	Money Market Account
APY	3.44%Range: 0.00% - 3.44%Verified: 8/15/2026	0.50%Range: 0.05% - 0.50%Verified: 8/15/2026
Min. Deposit	$50,000	$50
Min. Balance	$50,000	$0
Monthly Fee	N/A	N/A
Direct Deposit	None	None
In-Branch Access	Yes	Yes
Compounding	N/A	N/A
FDIC Insured	Yes	Yes
Eligibility	United States	United States
Important	The interest rate on the upper tiers is indexed to the Federal Funds Effective Rate less a stated margin, so the APY moves when that index moves.	-

Alternatives to First Mid Bank & Trust, National Association

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