First State Bank & Trust: Savings Account, CDs, Money Market & Rates

Updated: 8/16/2026

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

Interest rates reported as APY

Analysis of First State Bank & Trust

Our verdict

CD Analysis

First State Bank & Trust offers CDs paying up to 3.40% APY on its 3 months term, across 11 term lengths.

Tracking 13 active CD products, useful for locking in today's rate before further moves at the Fed.

Best CD use: locking in 3.40% APY for a 3 months term and laddering across multiple maturities.

First State Bank & Trust also offers Classic Money Market, a money market account paying 1.35% APY with a $2,000 minimum deposit.

At 1.35% APY, First State Bank & Trust pays 2x the national money market average of 0.63%.

Additional Accounts

Classic Savings, a high-yield savings account at 1.00% APY.

Ideal User Profile

Best for: simple saving without extra requirements.

Important Considerations

No app ratings available for this bank.

iOS app rating is not available.

Android app rating is not available.

Deposit Accounts Overview

Classic Savings

Savings

1.00% APY

Tiered Range: 0.25% - 1.00%

Min: $200 Branch Access

Rank #156 of 337 tracked.

Classic Money Market

Money Market

1.35% APY

Tiered Range: 0.30% - 1.35%

Min: $2,000 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 LocationWilliston, ND
Deposit InsuranceFDIC Insured(Cert: 14801)

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 State Bank & Trust

Feature	Classic Savings
APY	1.00%Range: 0.25% - 1.00%Verified: 8/16/2026
APY Trend	N/A
Min. Deposit	$200
Min. Balance	N/A
Monthly Fee	N/A
Direct Deposit	None
Checking Bundle	No
In-Branch Access	Yes
Compounding	monthly
FDIC Insured	Yes
Eligibility	United States
Next Steps	-

Interactive Tool

Calculate Savings for First State Bank & Trust

All calculations are based on APY.

Selected product

Classic Savings0.25% - 1.00% APY

Initial deposit

Recurring deposit

Frequency

Duration

Savings Breakdown

Interest Earned
+$377.30(2.6%)
Total Contributions
$13,000
Initial Deposit
$1,000

Projected Balance

$14,377.30

Effective APY

1.00%

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

First State Bank & Trust Deposit Rates Over Time

No historical data available.

Compare with First State Bank & Trust

Feature	Current View First State Bank & Trust	Empty Slot
Product	Classic Savings	-
APY	0.25% - 1.00%Verified: 8/16/2026	-
APY Trend	N/A	-
Min. Deposit	$200	N/A
Monthly Fee	N/A	-
Direct Deposit	No	-
Checking Bundle	No	-
In-Branch Access	Yes	-
Eligibility	United States	-
Compounding	monthly	-
FDIC or NCUA Insured	Yes	-
Next Steps	-	-

CD Overview

3.40% Highest APY

Across 13 CD products with terms: 18 months, 54 months, 37 months, 6 months, 3 months, 11 months, 12 months, 36 months, 48 months, 60 months, 24 months

CD Products Offered by First State Bank & Trust

Feature	91 Day CD Special 3 months	91 Day CD 3 months	182 Day CD 6 months	182 Day CD Special 6 months	11 Month CD Special 11 months	12 Month CD 12 months	18 Month IRA 18 months	24 Month CD 24 months	36 Month CD 36 months	37 Month CD Special 37 months	48 Month CD 48 months	54 Month CD Special 54 months	60 Month CD 60 months
APY	3.40%Verified: 8/16/2026	1.40%Verified: 8/16/2026	1.50%Verified: 8/16/2026	3.20%Verified: 8/16/2026	2.90%Verified: 8/16/2026	1.90%Verified: 8/16/2026	2.20%Verified: 8/16/2026	2.00%Verified: 8/16/2026	2.20%Verified: 8/16/2026	2.30%Verified: 8/16/2026	2.30%Verified: 8/16/2026	2.50%Verified: 8/16/2026	2.40%Verified: 8/16/2026
Term	3 months	3 months	6 months	6 months	11 months	12 months	18 months	24 months	36 months	37 months	48 months	54 months	60 months
Min. Deposit	$500	$500	$500	$500	$500	$500	$500	$500	$500	$500	$500	$500	$500
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
FDIC Insured	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Notes	-	-	-	-	-	-	Variable rate. The APY can change during the term.	-	-	-	-	-	-

First State Bank & Trust 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 State Bank & Trust

Feature	Classic Money Market
APY	1.35%Range: 0.30% - 1.35%Verified: 8/16/2026
Min. Deposit	$2,000
Min. Balance	N/A
Monthly Fee	N/A
Direct Deposit	None
In-Branch Access	Yes
Compounding	N/A
FDIC Insured	Yes
Eligibility	United States

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