Bank · FDIC insured
First Bank & Trust Company Savings Rates
First Bank & Trust Company’s best savings rate is 0.75% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How First Bank & Trust Company’s savings rates compare
Compared with banks and credit unions near Kingsport, TN-VA, where First Bank & Trust Company has the most branches. $10,000, best rate first.
This bank’s best
First Bank & Trust Company
0.75%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $75
Money Market Account
Top rate
Knoxville TVA Employees Credit Union
4.28%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $428
2nd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
First Bank & Trust Company savings score
83
Savings score
Higher than 61% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0001.62%
- QualifiedQualified0.75%
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.
Relationship Money Market Account
0.25%APY
Available to new and existing First Bank and Trust customers.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Average daily balance below $25,000.00. | 0.25% | $25 | Average daily balance below $25,000.00. |
| $25,000 and upAverage daily balance equal to or greater than $25,000.00. | 1.62% | — | Average daily balance equal to or greater than $25,000.00. |
Sources (2)
All captured Oct 4, 2026
Money Market Account
0.75%APY
Open an account with $2,500. Pay no fees regardless of balance. Interest rates will be paid on the entire balance based on the applicable rate tier. Earn competitive interest on balances of $1,500 or greater.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,500 – $2,500Average daily balance range $1,500.00 - $2,499.99. | 0.10% | — | Average daily balance range $1,500.00 - $2,499.99. |
| $2,500 – $10,000Average daily balance range $2,500.00 - $9,999.99. | 0.50% | — | Average daily balance range $2,500.00 - $9,999.99. |
| $10,000 – $25,000Average daily balance range $10,000.00 - $24,999.99. | 0.75% | $75 | Average daily balance range $10,000.00 - $24,999.99. |
| $25,000 – $100,000Average daily balance range $25,000.00 - $99,999.99. | 0.80% | — | Average daily balance range $25,000.00 - $99,999.99. |
| $100,000 – $500,000Average daily balance range $100,000.00 - $499,999.99. | 1.00% | — | Average daily balance range $100,000.00 - $499,999.99. |
| $500,000 and upAverage daily balance range $500,000 - $1 million +. | 1.11% | — | Average daily balance range $500,000 - $1 million +. |
Sources (2)
All captured Oct 4, 2026
Savings Account
0.25%APY
Free with eStatements. Interest compounded quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAll balances.Any balance | 0.25% | $25 | All balances. |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
HSA Advantage
2.89%APY
Free with eStatements. Limited-time offer. New accounts must be opened in person. APY is accurate as of 10/01/26 and may change monthly based on the four-week Treasury Bill rate, less 1.00%. If balance falls below $4,000, the account pays standard savings account rate. $250 bonus requires opening with new funds not currently on deposit and having/opening a demand deposit account with $50 opening deposit.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $4,000 and upBalances of $4,000 or greater. Limited-time offer. May change monthly based on four-week Treasury Bill rate less 1.00%. If balance falls below $4,000, pays standard savings account rate.$4,000 and up | 2.89% | $289 | Balances of $4,000 or greater. Limited-time offer. May change monthly based on four-week Treasury Bill rate less 1.00%. If balance falls below $4,000, pays standard savings account rate. |
Sources (1)
- firstbank.com/personal/persona…gs-account-hsa-advantage · captured Oct 4, 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.