Bank · FDIC insured
First Mid Bank & Trust CD Rates
First Mid Bank & Trust’s best CD rate is 2.75% APY on a 2-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How First Mid Bank & Trust’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where First Mid Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
First Mid Bank & Trust
2.75%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $558
Certificates of Deposit
Top rate
De Soto Mo Pac Credit Union
5.09%APY
- Term
- 12 months
- Minimum
- $5,000
- Earns on $10,000
- $509
2nd-highest rate
Paramount Bank
5.00%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $457
First Mid Bank & Trust CD score
65
CD score
Higher than 14% of U.S. banks and credit unions
- 3–8 months3–8 mo0.30%
- 9–15 months9–15 mo0.40%
- 16–30 months16–30 mo2.75%
- 31–60 months31–60 mo2.75%
- QualifiedQualified2.75%
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 Mid Bank & Trust ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
CD Specials
Up to 4.00%APY · 4 terms
For a limited time. $1,000 minimum to open ($50,000 minimum for Jumbo CD tiers). Up to $50,000 maximum additions allowed during the CD term. May not be used in conjunction with any other special offer. Penalty for early withdrawal. Offer does not apply to brokered deposits. Automatic renewal at maturity to standard term/rate unless elected otherwise.
| Term | APY · Any balance | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 5 monthsUpon maturity, automatically renews to standard 6 month term and current rate unless elected otherwise. $50,000 maximum additions allowed during CD term | 4.00% | — | 4.00% | $165 |
| 7 monthsJumbo CD rate when opened with $50,000 or more. Upon maturity, automatically renews to standard 6 month term and current rate unless elected otherwise. $50,000 maximum additions allowed during CD term | — | 3.85% | —3.85% from $50k | — |
| 7 monthsUpon maturity, automatically renews to standard 6 month term and current rate unless elected otherwise. $50,000 maximum additions allowed during CD term | 3.70% | — | 3.70% | $214 |
| 13 monthsJumbo CD rate when opened with $50,000 or more. Upon maturity, automatically renews to standard 12 month term and current rate unless elected otherwise. $50,000 maximum additions allowed during CD term | — | 3.65% | —3.65% from $50k | — |
| 13 monthsUpon maturity, automatically renews to standard 12 month term and current rate unless elected otherwise. $50,000 maximum additions allowed during CD term | 3.50% | — | 3.50% | $380 |
| 24–48 monthsUpon maturity, automatically renews at same term and current rate unless elected otherwise. $50,000 maximum additions allowed during CD term. Choose 24, 36, or 48 month term | 2.75% | — | 2.75% | $558 |
Sources (1)
- firstmid.com/cd-specials · captured Sep 17, 2026
Certificates of Deposit
Up to 2.75%APY · 9 terms
A penalty may be imposed for early withdrawals. Flexible terms from 3 months to 5 years. FDIC-insured.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.30% | $7 |
| 6 months | 0.30% | $15 |
| 9 months | 0.30% | $22 |
| 12 months | 0.40% | $40 |
| 18 months | 0.45% | $68 |
| 24 months | 2.75% | $558 |
| 36 months | 2.75% | $848 |
| 48 months | 2.75% | $1,146 |
| 60 months | 2.75% | $1,453 |
Special-purpose accounts
Individual Retirement Accounts Certificates of Deposit
Up to 2.75%APY · 6 terms
A penalty may be imposed for early withdrawals. All accounts require a minimum opening deposit of $500 with terms ranging from 12 months to 60 months. Available as Traditional or Roth IRA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 0.40% | $40 |
| 18 months | 0.45% | $68 |
| 24 months | 2.75% | $558 |
| 36 months | 2.75% | $848 |
| 48 months | 2.75% | $1,146 |
| 60 months | 2.75% | $1,453 |
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.