Bank · FDIC insured
First Bank & Trust of Murphysboro Savings Rates
First Bank & Trust of Murphysboro’s best savings rate is 0.10% APY on $10,000, with its Community Savings Account. Rates checked October 16, 2026.
How First Bank & Trust of Murphysboro’s savings rates compare
Compared with banks and credit unions near Carbondale, IL, where First Bank & Trust of Murphysboro has the most branches. $10,000, best rate first.
This bank’s best
First Bank & Trust of Murphysboro
0.10%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $10
Community Savings Account
Top rate
SIU Credit Union
1.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $171
2nd-highest rate
First Southern Bank
1.00%APY
- Requires
- Monthly account activity
- Minimum
- $100
- Earns on $10,000 a year
- $100
First Bank & Trust of Murphysboro savings score
63
Savings score
Higher than 9% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.10%
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 of Murphysboro 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.
Community Savings Account
0.10%APY
Interest compounded daily and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceA service charge fee of $10.00 is imposed every month if the balance falls below $10,000.00 any day of the month.Any balance | 0.10% | $10 | A service charge fee of $10.00 is imposed every month if the balance falls below $10,000.00 any day of the month. |
Sources (1)
- fb-t.com/accounts · captured Oct 6, 2026
Money Market Checking Account
0.05%APY
Interest compounded daily and credited monthly. Daily balance computation method. A service charge fee of $10.00 is imposed every statement cycle if the balance falls below $2,500.00 on any day of the cycle. Excess debit transaction fee of $10.00 per item over 3 during a month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$10.00 monthly service charge fee waived if daily balance does not fall below $2,500.00 during the statement cycle. Excess debit transaction fee of $10.00 per item over 3 during a month.Any balance | 0.05% | $5 | $10.00 monthly service charge fee waived if daily balance does not fall below $2,500.00 during the statement cycle. Excess debit transaction fee of $10.00 per item over 3 during a month. |
Sources (1)
- fb-t.com/accounts · captured Oct 6, 2026
Passbook Savings Account
0.05%APY
Interest compounded daily and credited quarterly. A $0.50 per-item service fee is charged for each debit transaction in excess of 3 per quarterly statement cycle.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceA service charge fee of $2.00 is imposed every month if the balance falls below $200.00 any day of the month.Any balance | 0.05% | $5 | A service charge fee of $2.00 is imposed every month if the balance falls below $200.00 any day of the month. |
Sources (1)
- fb-t.com/accounts · captured Oct 6, 2026
Special-purpose accounts
Health Savings Account
0.10%APY
Interest compounded daily and credited monthly. Total annual deposits may not exceed maximum allowable by law. Withdrawals must be for covered medical expenses.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upMust maintain a minimum balance of $200.00 in the account each day to obtain the disclosed APY.$200 and up | 0.10% | $10 | Must maintain a minimum balance of $200.00 in the account each day to obtain the disclosed APY. |
Sources (1)
- fb-t.com/accounts · captured Oct 6, 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.