Bank · FDIC insured
First Bankers Trust CD Rates
A $1.2B bank headquartered in Quincy, IL, with 9 branches in Illinois.
How First Bankers Trust’s CD rates compare
Compared with banks and credit unions near Quincy, IL-MO, where First Bankers Trust has the most branches. $10,000, best rate first.
This bank’s best
First Bankers Trust
1.81%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $938
IRA Certificate of Deposit
Top rate
Great Rivers Bank
4.25%APY
- Term
- 18 months
- Minimum
- —
- Earns on $10,000
- $644
2nd-highest rate
HomeBank
4.11%APY
- Term
- 14 months
- Minimum
- $2,500
- Earns on $10,000
- $481
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
Certificates of Deposit
Up to 3.65%APY · 12 terms
FDIC-insured CD; various terms; may automatically renew or be cashed in during a 10-day grace period; interest may be paid in various ways; early-withdrawal penalty may apply; fees may reduce earnings; rates subject to change.
| Term | APY · Any balance | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months91 Day CD from the Certificates of Deposit schedule labeled CD/IRA | 0.70% | — | 0.70% | $17 |
| 4 months4 Month Special; limited-time offer; $1,000+ with checking account required for stated APY | — | 3.45% | 3.45% | $114 |
| 4 months4 Month Special; limited-time offer; $1,000+ without checking account | — | 3.35% | 3.35% | $110 |
| 6 months182 Day CD from the Certificates of Deposit schedule labeled CD/IRA | 0.90% | — | 0.90% | $45 |
| 7 months7 Month Special; limited-time offer; $1,000+ with checking account required for stated APY | — | 3.50% | 3.50% | $203 |
| 7 months7 Month Special; limited-time offer; $1,000+ without checking account | — | 3.40% | 3.40% | $197 |
| 11 months11 Month Special; limited-time offer; $1,000+ with checking account required for stated APY | — | 3.55% | 3.55% | $325 |
| 11 months11 Month Special; limited-time offer; $1,000+ without checking account | — | 3.45% | 3.45% | $316 |
| 12 months12 Month CD from the Certificates of Deposit schedule labeled CD/IRA | 1.00% | — | 1.00% | $100 |
| 17 months17 Month Special; limited-time offer; $1,000+ with checking account required for stated APY | — | 3.65% | 3.65% | $521 |
| 17 months17 Month Special; limited-time offer; $1,000+ without checking account | — | 3.55% | 3.55% | $507 |
| 18 months18 Month CD from the Certificates of Deposit schedule labeled CD/IRA | 1.20% | — | 1.20% | $181 |
| 24 months24 Month CD from the Certificates of Deposit schedule labeled CD/IRA | 1.30% | — | 1.30% | $262 |
| 36 months36 Month CD from the Certificates of Deposit schedule labeled CD/IRA | 1.40% | — | 1.40% | $426 |
| 48 months48 Month CD from the Certificates of Deposit schedule labeled CD/IRA | 1.61% | — | 1.61% | $660 |
| 60 months60 Month CD from the Certificates of Deposit schedule labeled CD/IRA | 1.81% | — | 1.81% | $938 |
Sources (3)
- firstbankers.com/Personal
- firstbankers.com/Personal/Certificates-of-Deposit
- firstbankers.com/Personal/Rates
All captured Sep 17, 2026
IRA Certificate of Deposit
Up to 1.81%APY · 8 terms
Official Certificates of Deposit schedule is labeled CD/IRA and is shared with regular CDs. Offered among First Bankers Trust CD products in the Self Directed IRA Program. Traditional, Roth, SEP, Coverdell, and rollover labels are tax wrappers, not separate CD rate schedules. Early-withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91 Day CD/IRA | 0.70% | $17 |
| 6 months182 Day CD/IRA | 0.90% | $45 |
| 12 months12 Month CD/IRA | 1.00% | $100 |
| 18 months18 Month CD/IRA | 1.20% | $181 |
| 24 months24 Month CD/IRA | 1.30% | $262 |
| 36 months36 Month CD/IRA | 1.40% | $426 |
| 48 months48 Month CD/IRA | 1.61% | $660 |
| 60 months60 Month CD/IRA | 1.81% | $938 |
Sources (3)
- firstbankers.com/Personal
- firstbankers.com/Personal/Individual-Retirement-Accounts
- firstbankers.com/Personal/Rates
All captured Sep 17, 2026
Opening an account
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