Bank · FDIC insured
First Trust and Savings Bank Savings Rates
First Trust and Savings Bank’s best savings rate is 0.40% APY on $10,000, with its First Money Market. Rates checked October 16, 2026.
How First Trust and Savings Bank’s savings rates compare
Compared with banks and credit unions in Illinois, where First Trust and Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
First Trust and Savings Bank
0.40%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $40
First Money Market
Top rate
State Farm Federal Credit Union
4.08%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $408
2nd-highest rate
Dieterich Bank
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $400
First Trust and Savings Bank savings score
76
Savings score
Higher than 41% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0000.75%
- QualifiedQualified0.40%
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 Trust and Savings Bank 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 Money Market
0.40%APY
$2,500 minimum balance to obtain APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $15,000 | 0.40% | $40 |
| $15,000 – $50,000 | 0.45% | — |
| $50,000 – $100,000 | 0.50% | — |
| $100,000 – $200,000 | 0.75% | — |
| $200,000 and up | 1.00% | — |
Sources (1)
- ftsbank.com/Personal-Banking/D…t-Products/Current-Rates · captured Sep 26, 2026
Special-purpose accounts
Health Savings Account
3.25%APY
Requires a high-deductible health plan that meets IRS guidelines.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRequires a high-deductible health plan that meets IRS guidelines.Any balance | 3.25% | $325 | Requires a high-deductible health plan that meets IRS guidelines. |
Sources (2)
- ftsbank.com/Personal-Banking/D…t-Products/Current-Rates
- ftsbank.com/Personal-Banking/D…roducts/Personal-Savings
All captured Sep 17, 2026
First Kids Club
0.15%APY
Available for children through the age of 10.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAvailable for children through the age of 10.Any balance | 0.15% | $15 | Available for children through the age of 10. |
Sources (2)
- ftsbank.com/Personal-Banking/D…t-Products/Current-Rates
- ftsbank.com/Personal-Banking/D…roducts/Personal-Savings
All captured Sep 17, 2026
First Statement Savings
0.15%APY
With eStatements maintain $100 in savings, or $1,000 in a combination of deposit and loan balances to waive $7.50 monthly fee. With paper statements, maintain $500 in savings, or $10,000 in a combination of deposit and loan balances to waive $7.50 monthly fee. No minimum balance for ages under 18.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFee waived if maintaining $100 in savings (or $1,000 combined deposit/loan balances) with eStatements, or $500 in savings (or $10,000 combined deposit/loan balances) with paper statements. No minimum balance for ages under 18.Any balance | 0.15% | $15 | Fee waived if maintaining $100 in savings (or $1,000 combined deposit/loan balances) with eStatements, or $500 in savings (or $10,000 combined deposit/loan balances) with paper statements. No minimum balance for ages under 18. |
Sources (2)
- ftsbank.com/Personal-Banking/D…t-Products/Current-Rates
- ftsbank.com/Personal-Banking/D…roducts/Personal-Savings
All captured Sep 17, 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.