Bank · FDIC insured
First Bank & Trust Savings Rates
First Bank & Trust’s best savings rate is 1.76% APY on $10,000, with its Regular Money Market. Rates checked October 15, 2026.
How First Bank & Trust’s savings rates compare
Compared with banks and credit unions near Tulsa, OK, where First Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
First Bank & Trust
1.76%APY
- Minimum
- $1,500
- Earns on $10,000 a year
- $176
Regular Money Market
Top rate
MidFirst Bank
4.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $400
2nd-highest rate
Communication Federal Credit Union
3.75%APY
- Minimum
- —
- Earns on $10,000 a year
- $375
First Bank & Trust savings score
89
Savings score
Higher than 86% of U.S. banks and credit unions
- $1,000 balance$1,0000.75%
- $10,000 balance$10,0001.76%
- $100,000 balance$100,0001.97%
- QualifiedQualified1.76%
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 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.
Regular Money Market
1.76%APY
Variable-rate interest-bearing account. $1,500.00 minimum to open. 6 withdrawals allowed per month (3 free withdrawals, $2.00 per withdrawal after 3). Balance below $1,500.00 incurs $3.00 monthly fee and interest reverts to Regular savings rate.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,500Balances below $1,500.00 earn Regular savings rate and incur a $3.00 monthly fee. | 0.75% | — | Balances below $1,500.00 earn Regular savings rate and incur a $3.00 monthly fee. |
| $1,500 – $10,000 | 1.66% | — | |
| $10,000 – $25,000 | 1.76% | $176 | |
| $25,000 – $100,000 | 1.92% | — | |
| $100,000 – $250,000 | 1.97% | — | |
| $250,000 and up | 2.02% | — |
Sources (1)
- fbt.bank/personal-savings-accounts-money-market · captured Oct 5, 2026
Regular Savings
0.75%APY
Average daily balance below $100.00 incurs $3.00 monthly fee. 3 free withdrawals per month ($1.00 fee per withdrawal after 3).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAverage daily balance below $100.00 incurs $3.00 monthly fee; 3 free withdrawals per month ($1.00 fee per withdrawal after 3). Variable rate interest bearing account.Any balance | 0.75% | $75 | Average daily balance below $100.00 incurs $3.00 monthly fee; 3 free withdrawals per month ($1.00 fee per withdrawal after 3). Variable rate interest bearing account. |
Sources (1)
- fbt.bank/personal-savings-accounts-money-market · captured Oct 5, 2026
Special-purpose accounts
Diapers to Diplomas
1.01%APY
Available to minors only – matures at age 18.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Available to minors only – matures at age 18. Variable rate interest bearing account. | 1.01% | — | Available to minors only – matures at age 18. Variable rate interest bearing account. |
| $2,500 and upAvailable to minors only – matures at age 18. Variable rate interest bearing account. | 1.01% | $101 | Available to minors only – matures at age 18. Variable rate interest bearing account. |
Sources (1)
- fbt.bank/personal-savings-accounts-money-market · captured Oct 5, 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.