First State Bank and Trust Company savings, CD and money market rates
First State Bank and Trust Company's Savings Account lists 0.15% APY. That is 0.23 percentage points below the national savings average of 0.38% (FDIC, Oct 2026).
Ranked #2071 of 3151 tracked savings rates by advertised APY. For a $10,000 balance it would rank #1865.
Estimate your earnings·What First State Bank and Trust Company actually pays
First State Bank and Trust Company at a glance
| Savings | |
|---|---|
| Top savings APY | 0.15% · Savings Account |
| Minimum to open | $100 · Savings Account |
| Against the national average | 0.23 percentage points below the 0.38% FDIC savings average (Oct 2026) |
| CDs | |
| Top CD APY | 2.78% · 12 months · CD 12 Months |
| Minimum to open | $1,000 · 12 months CD |
| Against the national average | 1.02 percentage points above the 1.76% FDIC 12-month CD average (Oct 2026) |
| Money market | |
| Top money market APY | Up to 0.95% · Super Money Market · needs at least $500,000 |
| Minimum to open | $2,500 · Super Money Market |
| Against the national average | 0.32 percentage points above the 0.63% FDIC money market average (Oct 2026) |
| FDIC certificate | 11559 · Carthage, TX |
|---|---|
| Website | www.fsbcarthage.com |
| Branches | 1 branch in TX |
| Availability | Available in TX |
First State Bank and Trust Company savings, CD and money market rates
Personal
How the rate applies
IRA
Rates are annual percentage yields (APY). A variable rate may change after the account is opened. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal.
The national savings average is 0.38% (FDIC, Oct 2026). The top tracked savings rate on Banksparency is 12.00%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.66%, and one account in ten advertises 4.20% or more. See the highest savings rates.
First State Bank and Trust Company CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| not stated | 0.40% | $2,500 | CD 7-31 Days |
| 1-3 months | 0.55% | $2,500 | CD 32-90 Days |
| 3-6 months | 0.95% | $2,500 | CD 91-181 Days |
| 6-12 months | 2.22% | $2,500 | CD 182 - 364 Days |
| 12 months | 2.78% | $1,000 | CD 12 Months |
| 18 months | 2.42% | $1,000 | CD 18 Months |
| 24 months | 2.42% | $1,000 | CD 24 Months |
| 30 months | 2.22% | $1,000 | CD 30 Months |
| 36 months | 2.22% | $1,000 | CD 36 Months |
| 48 months | 1.91% | $1,000 | CD 48 Months |
| 60 months | 1.91% | $1,000 | CD 60 Months |
| IRA CDs | |||
| 3 months | 0.95% | not stated | IRA CD 3 Month - Fixed |
| 6 months | 2.22% | not stated | IRA CD 6 Month - Fixed |
| 12 months | 2.78% | not stated | IRA CD 12 Month - Fixed |
| 18 months | 2.22% | not stated | IRA CD 18 Month - Variable |
| 18 months | 2.42% | not stated | IRA CD 18 Month - Fixed |
| 24 months | 2.42% | not stated | IRA CD 24 Month - Fixed |
| 30 months | 2.22% | not stated | IRA CD 30 Month - Fixed |
| 36 months | 2.22% | not stated | IRA CD 36 Month - Fixed |
| 48 months | 1.91% | not stated | IRA CD 48 Month - Fixed |
| 60 months | 1.91% | not stated | IRA CD 60 Month - Fixed |
Interactive Tool
Calculate Savings for First State Bank and Trust Company
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$56.00(0.4%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,056.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What First State Bank and Trust Company pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined.
In Q2 2026, First State Bank and Trust Company paid a higher average rate on savings and money market deposits than 10% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- First State Bank and Trust Company, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Savings Account | 0.15% | $100 | $100 | None | not stated | not stated | One rate | not enough history |
| Super Money Market | Up to 0.95% | $2,500 | $2,500 | None | not stated | not stated | Tiered | not enough history |
| Money Market | 0.20% | $2,500 | $2,500 | None | not stated | not stated | One rate | not enough history |
Fine print for 2 products above: A $10.00 maintenance fee applies when the minimum daily balance falls below $2,500.00.
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| Personal CDs | |||||
| CD 7-31 Days | not stated | 0.40% | $2,500 | not stated | not stated |
| Fine print: The term is 7 to 31 days. | |||||
| CD 32-90 Days | 1-3 months | 0.55% | $2,500 | not stated | not stated |
| CD 91-181 Days | 3-6 months | 0.95% | $2,500 | not stated | not stated |
| CD 182 - 364 Days | 6-12 months | 2.22% | $2,500 | not stated | not stated |
| CD 12 Months | 12 months | 2.78% | $1,000 | not stated | not stated |
| CD 18 Months | 18 months | 2.42% | $1,000 | not stated | not stated |
| CD 24 Months | 24 months | 2.42% | $1,000 | not stated | not stated |
| CD 30 Months | 30 months | 2.22% | $1,000 | not stated | not stated |
| CD 36 Months | 36 months | 2.22% | $1,000 | not stated | not stated |
| CD 48 Months | 48 months | 1.91% | $1,000 | not stated | not stated |
| CD 60 Months | 60 months | 1.91% | $1,000 | not stated | not stated |
| IRA CDs | |||||
| IRA CD 3 Month - Fixed | 3 months | 0.95% | not stated | not stated | not stated |
| IRA CD 6 Month - Fixed | 6 months | 2.22% | not stated | not stated | not stated |
| IRA CD 12 Month - Fixed | 12 months | 2.78% | not stated | not stated | not stated |
| IRA CD 18 Month - Variable | 18 months | 2.22% | not stated | not stated | not stated |
| IRA CD 18 Month - Fixed | 18 months | 2.42% | not stated | not stated | not stated |
| IRA CD 24 Month - Fixed | 24 months | 2.42% | not stated | not stated | not stated |
| IRA CD 30 Month - Fixed | 30 months | 2.22% | not stated | not stated | not stated |
| IRA CD 36 Month - Fixed | 36 months | 2.22% | not stated | not stated | not stated |
| IRA CD 48 Month - Fixed | 48 months | 1.91% | not stated | not stated | not stated |
| IRA CD 60 Month - Fixed | 60 months | 1.91% | not stated | not stated | not stated |
Opening and using the account
| Availability | Available in TX |
|---|---|
| Footprint | 1 branch in TX |
| Eligibility | not stated |
How First State Bank and Trust Company behaves over time
- Rate last changed
- Oct 28, 2026(effective date)
$10,000 at the 0.15% APY First State Bank and Trust Company advertises on Savings Account grows to $10,015 in a year. Prices rose 3.7% in the year to September 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,654 does today. See how the federal funds rate shapes savings rates.
First State Bank and Trust Company CD rates over time
Who is First State Bank and Trust Company?
| Headquarters | Carthage, TX |
|---|---|
| Founded | 1902 |
| Scale | $547M assets · $491M deposits, $397M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 11559 |
| Charter state | Texas · one of 349 insured banks chartered there (Q2 2026, FDIC) |
| Size | 1,592nd-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 82% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What First State Bank and Trust Company pays on deposits above.
Common questions about First State Bank and Trust Company
Is First State Bank and Trust Company FDIC insured?
Yes. First State Bank and Trust Company is FDIC insured under certificate 11559, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at First State Bank and Trust Company?
First State Bank and Trust Company requires a minimum deposit of $100 to open its Savings Account, as observed on Oct 28, 2026. Check the bank's current terms before you open an account.
Does First State Bank and Trust Company have branches?
Yes. First State Bank and Trust Company operates 1 branch according to FDIC branch records, in addition to its website and mobile apps.
First State Bank and Trust Company against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| First State Bank and Trust Company | 0.15% | 0.37% | $100 | 1 branch in TX |
| ACNB Bank | 0.15% | 1.09% | $1,000 | 33 branches in MD, PA |
| American Metro Bank | 0.15% | 2.40% | $250 | 2 branches in IL |
| Bank of Deerfield | 0.15% | 1.28% | $25 | 2 branches in WI |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to First State Bank and Trust Company's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Texas, nearest to First State Bank and Trust Company in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: money market rates in Texas, and banks in Texas.