Bank · FDIC insured
FM Bank and Trust Savings Rates
FM Bank and Trust’s best savings rate is 3.56% APY, with its Reward Saver, with extra requirements. Rates checked October 22, 2026.
How FM Bank and Trust’s savings rates compare
Compared with banks and credit unions near Blytheville, AR, where FM Bank and Trust has the most branches. $10,000, best rate first.
This bank’s best
FM Bank and Trust
3.56%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $356
Reward Saver
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
3rd-highest rate
Cross Bank
1.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $100
FM Bank and Trust savings score
60
Savings score
Higher than 0% of U.S. banks and credit unions
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0000.01%
- $100,000 balance$100,0000.01%
- QualifiedQualified0.01%
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 FM 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.
Reward Saver
Up to 3.56%APY
Must be linked to Reward Checking account. Free account with e-statements; optional paper statement fee is $4.00 per statement cycle. Interest and ATM refunds from Reward Checking automatically transfer to Saver each monthly qualification cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Qualifying tier for portion of daily balance up to $25,000.00 (less than $25,000.01) when qualifications are met: at least one direct deposit or recurring ACH credit/debit, and at least 10 debit card purchases post and settle per statement cycle. | 3.56% | $356 | Qualifying tier for portion of daily balance up to $25,000.00 (less than $25,000.01) when qualifications are met: at least one direct deposit or recurring ACH credit/debit, and at least 10 debit card purchases post and settle per statement cycle. |
| Any balanceBase rate applied to all balances if qualification criteria are not met during the statement cycle. | 0.01% | $1 | Base rate applied to all balances if qualification criteria are not met during the statement cycle. |
| Over $25,000Qualifying tier for portion of daily balance greater than $25,000.00 when qualifications are met. Blended APY ranges from 3.562% to 1.00% (or 0.2497%). Qualifications: at least one direct deposit or recurring ACH credit/debit, and at least 10 debit card purchases post and settle per statement cycle. | 0.25% | — | Qualifying tier for portion of daily balance greater than $25,000.00 when qualifications are met. Blended APY ranges from 3.562% to 1.00% (or 0.2497%). Qualifications: at least one direct deposit or recurring ACH credit/debit, and at least 10 debit card purchases post and settle per statement cycle. |
Sources (2)
All captured Sep 19, 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.