Bank · FDIC insured
First National Bank and Trust Savings Rates
First National Bank and Trust’s best savings rate is 0.05% APY on $10,000, with its First National Bank & Trust Statement Savings Account. Rates checked October 22, 2026.
How First National Bank and Trust’s savings rates compare
Compared with banks and credit unions near Mobile, AL, where First National Bank and Trust has the most branches. $10,000, best rate first.
This bank’s best
First National Bank and Trust
0.05%APY
- Minimum
- $50
- Earns on $10,000 a year
- $5
First National Bank & Trust Statement Savings Account
Top rate
JM Associates FCU
5.12%APY
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
SmartBank
4.00%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
First National Bank and Trust savings score
61
Savings score
Higher than 3% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified0.05%
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 National Bank and 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.
First National Bank & Trust Statement Savings Account
0.05%APY
$5 maintenance fee for each cycle daily balance falls below $100. $2.00 monthly paper statement fee waived with Free e-Statements. Interest compounded monthly and credited monthly. $25 premature closing fee if closed within 60 days.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$5 maintenance fee for each cycle daily balance falls below $100. $2.00 monthly paper statement fee waived with Free e-Statements.Any balance | 0.05% | $5 | $5 maintenance fee for each cycle daily balance falls below $100. $2.00 monthly paper statement fee waived with Free e-Statements. |
Special-purpose accounts
First National Bank & Trust Christmas Club
0.10%APY
$25 early withdrawal fee per withdrawal. Automatic deduction options available.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
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.