Bank · FDIC insured
First Mid Bank & Trust Savings Rates
First Mid Bank & Trust’s best savings rate is 0.10% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How First Mid Bank & Trust’s savings 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
0.10%APY
- Requires
- None
- Minimum
- $50
- Earns on $10,000 a year
- $10
Money Market Account
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
Citizens Bank
4.50%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $450
First Mid Bank & Trust savings score
66
Savings score
Higher than 17% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0003.44%
- 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 Mid 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.
Jumbo Money Market
0.00%APY
Designed for larger balances. $50,000 minimum opening deposit. $0 monthly maintenance fee. $2 paper statement fee per statement cycle, waived for age 50 or older, by maintaining a $50,000 daily minimum balance during the statement cycle, or by signing up for eStatements. Interest rate and APY are variable and may change after account opening. Guaranteed floor rate for interest on balances of $50,000+ is 0.10% APY.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Daily balances $0–$49,999.99 (product pages also state $0.01–$49,999.99). Variable rate. Floor rate of 0.10% APY applies to balances of $50,000+, not this tier. Fees could reduce earnings. | 0.00% | $0 | Daily balances $0–$49,999.99 (product pages also state $0.01–$49,999.99). Variable rate. Floor rate of 0.10% APY applies to balances of $50,000+, not this tier. Fees could reduce earnings. |
| $50,000 – $100,000Daily balances $50,000–$99,999.99. Interest rate equals Federal Funds Effective Rate minus 1.00% (published 2.89%). Variable rate. Guaranteed floor for interest on balances of $50,000+ is 0.10% APY. Fees could reduce earnings. | 2.93% | — | Daily balances $50,000–$99,999.99. Interest rate equals Federal Funds Effective Rate minus 1.00% (published 2.89%). Variable rate. Guaranteed floor for interest on balances of $50,000+ is 0.10% APY. Fees could reduce earnings. |
| $100,000 – $250,000Daily balances $100,000–$249,999.99. Interest rate equals Federal Funds Effective Rate minus 0.50% (published 3.39%). Variable rate. Guaranteed floor for interest on balances of $50,000+ is 0.10% APY. Fees could reduce earnings. | 3.44% | — | Daily balances $100,000–$249,999.99. Interest rate equals Federal Funds Effective Rate minus 0.50% (published 3.39%). Variable rate. Guaranteed floor for interest on balances of $50,000+ is 0.10% APY. Fees could reduce earnings. |
| $250,000 and upDaily balances $250,000 or more (product pages also state $250,000+). Interest rate equals Federal Funds Effective Rate minus 0.25% (published 3.64%). Variable rate. Guaranteed floor for interest on balances of $50,000+ is 0.10% APY. Fees could reduce earnings. | 3.70% | — | Daily balances $250,000 or more (product pages also state $250,000+). Interest rate equals Federal Funds Effective Rate minus 0.25% (published 3.64%). Variable rate. Guaranteed floor for interest on balances of $50,000+ is 0.10% APY. Fees could reduce earnings. |
Sources (3)
- firstmid.com/jumbo-money-market
- firstmid.com/personal/deposit-rates
- firstmid.com/personal/jumbo-money-market
All captured Oct 6, 2026
Money Market Account
0.10%APY
Interest earned on the full daily balance by tier. Interest rate and APY may change after account opening. $10 monthly maintenance fee if the daily minimum balance falls below $5,000 during a statement cycle. $2 paper statement fee per statement cycle, waived for age 50 or older or by signing up for eStatements.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Daily balances $0–$4,999.99. Variable rate. $10 monthly maintenance fee if daily minimum balance falls below $5,000 during a statement cycle. Fees could reduce earnings. Rates current as of the deposit-rates page date (full calendar date not stated). | 0.05% | — | Daily balances $0–$4,999.99. Variable rate. $10 monthly maintenance fee if daily minimum balance falls below $5,000 during a statement cycle. Fees could reduce earnings. Rates current as of the deposit-rates page date (full calendar date not stated). |
| $5,000 – $25,000Daily balances $5,000–$24,999.99. Variable rate. $10 monthly maintenance fee if daily minimum balance falls below $5,000 during a statement cycle. Fees could reduce earnings. Rates current as of the deposit-rates page date (full calendar date not stated). | 0.10% | $10 | Daily balances $5,000–$24,999.99. Variable rate. $10 monthly maintenance fee if daily minimum balance falls below $5,000 during a statement cycle. Fees could reduce earnings. Rates current as of the deposit-rates page date (full calendar date not stated). |
| $25,000 – $50,000Daily balances $25,000–$49,999.99. Variable rate. $10 monthly maintenance fee if daily minimum balance falls below $5,000 during a statement cycle. Fees could reduce earnings. Rates current as of the deposit-rates page date (full calendar date not stated). | 0.20% | — | Daily balances $25,000–$49,999.99. Variable rate. $10 monthly maintenance fee if daily minimum balance falls below $5,000 during a statement cycle. Fees could reduce earnings. Rates current as of the deposit-rates page date (full calendar date not stated). |
| $50,000 and upDaily balances $50,000 or more. Variable rate. $10 monthly maintenance fee if daily minimum balance falls below $5,000 during a statement cycle. Fees could reduce earnings. Rates current as of the deposit-rates page date (full calendar date not stated). | 0.50% | — | Daily balances $50,000 or more. Variable rate. $10 monthly maintenance fee if daily minimum balance falls below $5,000 during a statement cycle. Fees could reduce earnings. Rates current as of the deposit-rates page date (full calendar date not stated). |
Sources (2)
All captured Oct 6, 2026
Savings Account
0.05%APY
Interest earned on the full daily balance with no stated tiers. Variable rate may change after opening. Fees could reduce earnings. $2 paper statement fee per cycle waived for age 50+ or eStatements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDaily balances of $0 or more. Rates current as of today's date; interest rate and APY may change after account opening. Fees could reduce earnings. Interest earned on daily balance; variable rate subject to change at First Mid's discretion.Any balance | 0.05% | $5 | Daily balances of $0 or more. Rates current as of today's date; interest rate and APY may change after account opening. Fees could reduce earnings. Interest earned on daily balance; variable rate subject to change at First Mid's discretion. |
Sources (3)
- firstmid.com/personal/deposit-rates
- firstmid.com/personal/savings
- firstmid.com/personal/savings-account
All 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.