Bank · FDIC insured
First Bankers Trust Savings Rates
First Bankers Trust’s best savings rate is 0.20% APY on $10,000, with its Personal Money Market Account. Rates checked October 16, 2026.
How First Bankers Trust’s savings 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
0.20%APY
- Requires
- None
- Minimum
- $50
- Earns on $10,000 a year
- $20
Personal Money Market Account
Top rate
HomeBank
1.16%APY
- Requires
- None
- Minimum
- $50
- Earns on $10,000 a year
- $116
2nd-highest rate
Members First Community CU
1.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $100
First Bankers Trust savings score
68
Savings score
Higher than 22% of U.S. banks and credit unions
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0001.00%
- QualifiedQualified0.20%
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 Bankers 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.
Personal Money Market Account
0.20%APY
Maintain a $2,500 minimum balance to avoid a $20 monthly service charge. Electronic statement monthly at no cost; paper statement $3.95 per month on request. Unlimited deposits. Withdrawals by electronic transfer or check limited to 6 per month. Interest rates may change at any time after opening. Fees could reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500APY requires balance in $0.00–$2,499.99 tier. $20 monthly service charge waived if $2,500 minimum balance is maintained. | 0.10% | — | APY requires balance in $0.00–$2,499.99 tier. $20 monthly service charge waived if $2,500 minimum balance is maintained. |
| $2,500 – $25,000APY requires balance in $2,500.00–$24,999.99 tier. $20 monthly service charge waived if $2,500 minimum balance is maintained. | 0.20% | $20 | APY requires balance in $2,500.00–$24,999.99 tier. $20 monthly service charge waived if $2,500 minimum balance is maintained. |
| $25,000 – $50,000APY requires balance in $25,000–$49,999.99 tier. $20 monthly service charge waived if $2,500 minimum balance is maintained. | 0.70% | — | APY requires balance in $25,000–$49,999.99 tier. $20 monthly service charge waived if $2,500 minimum balance is maintained. |
| $50,000 and upAPY requires balance of $50,000.00 and over. $20 monthly service charge waived if $2,500 minimum balance is maintained. | 1.00% | — | APY requires balance of $50,000.00 and over. $20 monthly service charge waived if $2,500 minimum balance is maintained. |
Sources (3)
All captured Sep 17, 2026
Personal Savings Account
0.01%APY
Interest rates may change at any time and after the account is opened. Electronic statement monthly at no cost; paper statement $3.95/month on request. Fees could reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100APY requires stated balance. $3 monthly service charge waived if $100 minimum balance is maintained. | 0.00% | — | APY requires stated balance. $3 monthly service charge waived if $100 minimum balance is maintained. |
| $100 and upAPY for $100 and over. $3 monthly service charge waived if $100 minimum balance is maintained. | 0.01% | $1 | APY for $100 and over. $3 monthly service charge waived if $100 minimum balance is maintained. |
Special-purpose accounts
Health Savings Account
0.01%APY
Variable tiered interest; rates may change after the account is opened. Available with a qualifying HDHP; consult HDHP provider for eligibility and contribution/distribution rules. Electronic statement monthly at no cost; paper statement $3.95/month on request. Fees could reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100APY requires stated balance. No service charges with another First Bankers Trust checking account; otherwise $10 per month. No minimum balance required to avoid a charge other than the checking-relationship waiver. | 0.00% | — | APY requires stated balance. No service charges with another First Bankers Trust checking account; otherwise $10 per month. No minimum balance required to avoid a charge other than the checking-relationship waiver. |
| $100 – $10,000APY requires stated balance. No service charges with another First Bankers Trust checking account; otherwise $10 per month. | 0.01% | — | APY requires stated balance. No service charges with another First Bankers Trust checking account; otherwise $10 per month. |
| $10,000 – $25,000APY requires stated balance. No service charges with another First Bankers Trust checking account; otherwise $10 per month. | 0.01% | $1 | APY requires stated balance. No service charges with another First Bankers Trust checking account; otherwise $10 per month. |
| $25,000 and upAPY for $25,000.00 and over. No service charges with another First Bankers Trust checking account; otherwise $10 per month. | 0.05% | — | APY for $25,000.00 and over. No service charges with another First Bankers Trust checking account; otherwise $10 per month. |
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.