Bank · FDIC insured
First Bank & Trust Company Savings Rates
First Bank & Trust Company’s best savings rate is 0.21% APY on $10,000, with its Savings Account. Rates checked October 22, 2026.
How First Bank & Trust Company’s savings rates compare
Compared with banks and credit unions near Kearney, NE, where First Bank & Trust Company has the most branches. $10,000, best rate first.
This bank’s best
First Bank & Trust Company
0.21%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $21
Savings Account
Top rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
2nd-highest rate
Cornerstone Bank
0.95%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $95
First Bank & Trust Company savings score
70
Savings score
Higher than 26% of U.S. banks and credit unions
- $1,000 balance$1,0000.21%
- $10,000 balance$10,0000.21%
- $100,000 balance$100,0000.21%
- QualifiedQualified0.21%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where First Bank & Trust Company ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Savings Account
0.21%APY
Interest compounded quarterly. Account must have accrued $0.35 before interest is paid. Six debits allowed per quarter with $1 fee per debit over six (including electronic withdrawals). Variable rate may change after account opening.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.21% | $21 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA
1.52%APY
Variable rate. The interest rate and annual percentage yield may change after account opening. Tax advantaged savings. Traditional IRA, Roth IRA, SIMPLE plans, SEP IRA, Education IRA.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100,000 | 1.52% | $152 |
| $100,000 and up | 1.72% | — |
Sources (2)
All captured Oct 15, 2026
Health Savings Account
Up to 1.51%APY
For eligible individuals who are covered under a High Deductible Health Plan (additional eligibility requirements apply). Variable rate; interest rate and APY may change after account opening. Higher rates for higher balances. Interest compounded monthly. Maintain minimum balances of $1,000.00 to obtain APY. $2 monthly service charge if daily balance is less than $1,000 any day of the statement cycle. Six pre-authorized debits per month, six may be made by check; $10 fee for each debit over six. $30 setup fee at account opening. Fees could reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50,000 and upMinimum balance required to obtain the APY is $1,000.00. The interest rate and annual percentage yield may change after account opening. Fees could reduce earnings. $2 monthly service charge if daily balance is less than $1,000 any day of the statement cycle. | 1.31% | — | Minimum balance required to obtain the APY is $1,000.00. The interest rate and annual percentage yield may change after account opening. Fees could reduce earnings. $2 monthly service charge if daily balance is less than $1,000 any day of the statement cycle. |
| $100,000 and upMinimum balance required to obtain the APY is $1,000.00. The interest rate and annual percentage yield may change after account opening. Fees could reduce earnings. $2 monthly service charge if daily balance is less than $1,000 any day of the statement cycle. | 1.51% | — | Minimum balance required to obtain the APY is $1,000.00. The interest rate and annual percentage yield may change after account opening. Fees could reduce earnings. $2 monthly service charge if daily balance is less than $1,000 any day of the statement cycle. |
Sources (2)
All captured Oct 15, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.