What are the current interest rates at First Arkansas Bank and Trust?

Current rates for First Arkansas Bank and Trust include: 12-Month CD: 1.25%, 24-Month CD: 0.65%, 36-Month CD: 0.75%, Savings: 1.85%

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First Arkansas Bank and Trust

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First Arkansas Bank and Trust Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Arkansas Bank and Trust provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

First Arkansas Bank and Trust's 4-Months 4-month CD special rates are at 3.50%, 7-Months 7-month CD special rates are at 3.25%, 90 days 90-day CD rates are at 3.20%, 6-Months 6-MONTH CD rates are at 2.95%, 1 Year 1-year CD rates are at 1.25%. First Arkansas Bank and Trust's savings rates are at 1.85%. MonitorBankRates evaluates the financial stability of First Arkansas Bank and Trust with a 4.5 Star Rating, an B Overall Health Grade, and a Texas Ratio of 21.26%. Rates last updated and verified on 08/28/2026.

First Arkansas Bank and Trust money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Arkansas Bank and Trust? Share your experience about First Arkansas Bank and Trust by leaving a review below, or read customer reviews before you decide to use First Arkansas Bank and Trust.

Overall Health & Safety Grade

Solid Health Score: 84/100

MonitorBankRates Rating

4.5

Excellent Out of 5.0 Stars

Texas Ratio

21.26%

Good Higher than avg

First Arkansas Bank and Trust

600 W Main St
Jacksonville, AR 72076

https://www.fabandt.bank

First Arkansas Bank and Trust Savings Rates

Product	Rate	APY
Money Market Savings	-	3.25%
Min Balance $250,000 Details Annual Percentage Yield (APY) accurate as of 12/17/25. Rates are variable and may change after the account is opened. A $10.00 balance requirement fee will be charged is the balance falls below $2,500 on any day of the monthly statement cycle. Fees may reduce earnings. Free initial basic Mastercard debit card. Free monthly statements. Free online banking with unlimited Bill Pay services. Last Updated 08/28/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.26%
Money Market Savings	-	2.85%
Min Balance $100,000 Details Annual Percentage Yield (APY) accurate as of 12/17/25. Rates are variable and may change after the account is opened. A $10.00 balance requirement fee will be charged is the balance falls below $2,500 on any day of the monthly statement cycle. Fees may reduce earnings. Free initial basic Mastercard debit card. Free monthly statements. Free online banking with unlimited Bill Pay services. Last Updated 08/28/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.26%
Money Market Savings	-	2.34%
Min Balance $50,000 Details Annual Percentage Yield (APY) accurate as of 12/17/25. Rates are variable and may change after the account is opened. A $10.00 balance requirement fee will be charged is the balance falls below $2,500 on any day of the monthly statement cycle. Fees may reduce earnings. Free initial basic Mastercard debit card. Free monthly statements. Free online banking with unlimited Bill Pay services. Last Updated 08/28/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.26%
Money Market Savings	-	1.85%
Min Deposit $100 Min Balance $0 Details Annual Percentage Yield (APY) accurate as of 12/17/25. Rates are variable and may change after the account is opened. A $10.00 balance requirement fee will be charged is the balance falls below $2,500 on any day of the monthly statement cycle. Fees may reduce earnings. Free initial basic Mastercard debit card. Free monthly statements. Free online banking with unlimited Bill Pay services. Last Updated 08/28/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.26%
Prime Business Savings	-	1.25%
Min Deposit $100 Details APY accurate as of 11/28/22. Rates are variable and may change after the account is opened. Fees may reduce earnings. A $1.00 fee will be assessed per withdraw in excess of one per statement cycle. This account is available to sole proprietorships and non-profit organizations only. A Prime Business Checking Account is required in order to open a Prime Business Savings account. Last Updated 08/28/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.26%
Prime Savings	-	1.25%
Min Deposit $100 Details APY accurate as of 11/28/22. Rates are variable and may change after the account is opened. Fees may reduce earnings. One free withdrawal per month. Last Updated 08/28/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.26%

First Arkansas Bank and Trust Money Market Rates

Product	Rate	APY
Money Market Savings	-	3.25%
Min Balance $250,000 Details Annual Percentage Yield (APY) accurate as of 12/17/25. Rates are variable and may change after the account is opened. A $10.00 balance requirement fee will be charged is the balance falls below $2,500 on any day of the monthly statement cycle. Fees may reduce earnings. Free initial basic Mastercard debit card. Free monthly statements. Free online banking with unlimited Bill Pay services. Last Updated 08/28/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.26%
Money Market Savings	-	2.85%
Min Balance $100,000 Details Annual Percentage Yield (APY) accurate as of 12/17/25. Rates are variable and may change after the account is opened. A $10.00 balance requirement fee will be charged is the balance falls below $2,500 on any day of the monthly statement cycle. Fees may reduce earnings. Free initial basic Mastercard debit card. Free monthly statements. Free online banking with unlimited Bill Pay services. Last Updated 08/28/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.26%
Money Market Savings	-	2.34%
Min Balance $50,000 Details Annual Percentage Yield (APY) accurate as of 12/17/25. Rates are variable and may change after the account is opened. A $10.00 balance requirement fee will be charged is the balance falls below $2,500 on any day of the monthly statement cycle. Fees may reduce earnings. Free initial basic Mastercard debit card. Free monthly statements. Free online banking with unlimited Bill Pay services. Last Updated 08/28/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.26%
Money Market Savings	-	1.85%
Min Deposit $100 Min Balance $0 Details Annual Percentage Yield (APY) accurate as of 12/17/25. Rates are variable and may change after the account is opened. A $10.00 balance requirement fee will be charged is the balance falls below $2,500 on any day of the monthly statement cycle. Fees may reduce earnings. Free initial basic Mastercard debit card. Free monthly statements. Free online banking with unlimited Bill Pay services. Last Updated 08/28/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.26%

First Arkansas Bank and Trust Checking Rates

Product	Rate	APY
Prime Checking	-	3.80%
Min Deposit $100 Details Qualifications Required: 12 debit card purchases post and clear; 1 direct deposit, ACH automatic payment, or online bill pay post and clear; Receive electronic statements; ATM refunds^ (maximum cap of $15 per statement cycle). Base rate of 0.10% APY if qualifications are not met. Rates are variable and may change after the account is opened. Fees may reduce earnings. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Intra-bank transfers do not count as qualifying ACH transactions. Only one Prime Checking account allowed per primary account holder. Last Updated 08/28/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.26%
Prime Checking	-	0.10%
Min Deposit $100 Details Base rate of 0.10% APY if qualifications are not met. Rates are variable and may change after the account is opened. Fees may reduce earnings. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Intra-bank transfers do not count as qualifying ACH transactions. Only one Prime Checking account allowed per primary account holder. Last Updated 08/28/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.26%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First Arkansas Bank and Trust is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First Arkansas Bank and Trust rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First Arkansas Bank and Trust's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Arkansas Bank and Trust

Bank Holding Company FIRST ARKANSAS BANCSHARES INC

Address 600 W Main St, Jacksonville, AR 72076 · Pulaski

Website https://www.fabandt.bank

FDIC Certificate # 16849

Established 11/05/1949

FDIC Insurance Date 11/05/1949

Domestic Offices 21

Total Branches 21

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 84/100

4.5

Excellent Out of 5.0 Stars

21.26%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.5817%

Return on Equity (ROE) 7.4700%

Non-Performing Loans (NPL) 1.12%

Total Assets $1,166,855,000

Total Deposits $1,029,444,000

Equity Capital $102,983,000

Net Income $10,448,000

Headquarters Jacksonville

Total Branches and Offices 21

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About First Arkansas Bank and Trust

How many branches does First Arkansas Bank and Trust operate?

First Arkansas Bank and Trust currently maintains approximately 21 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First Arkansas Bank and Trust does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Arkansas Bank and Trust provides members with tools to manage their accounts and build a solid financial history.

Does First Arkansas Bank and Trust offer online and mobile banking?

Most modern institutions like First Arkansas Bank and Trust provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fabandt.bank.