What are the current interest rates at First Bankers Trust Company?

Current rates for First Bankers Trust Company include: 12-Month CD: 1.00%, 18-Month CD: 1.20%, 24-Month CD: 1.30%, 36-Month CD: 1.40%, 48-Month CD: 1.61%, 60-Month CD: 1.81%, Savings: 0.01%, MMA: 0.10%

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First Bankers Trust Company Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Bankers Trust Company 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: September 19, 2026

First Bankers Trust Company's 17-Month Certificate Special rates are at 3.65%, 11-Month Certificate Special rates are at 3.55%, 17-Month Certificate Special rates are at 3.55%, 7-Month Certificate Special rates are at 3.50%, 11-Month Certificate Special rates are at 3.45%. First Bankers Trust Company's savings rates are at 0.01%. First Bankers Trust Company's money market rates are at 0.10%. MonitorBankRates evaluates the financial stability of First Bankers Trust Company with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.75%. Rates last updated and verified on 09/19/2026.

First Bankers Trust Company 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 Bankers Trust Company? Share your experience about First Bankers Trust Company by leaving a review below, or read customer reviews before you decide to use First Bankers Trust Company.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.75%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

First Bankers Trust Company, National Association

1201 Broadway St
Quincy, IL 62301

https://www.firstbankers.com

First Bankers Trust Company CD Rates

Product	Rate	APY	Term
17 Month Certificate Special	3.62%	3.65%	17 Month
Min Balance $1,000 Details with checking account Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.75%
11 Month Certificate Special	3.52%	3.55%	11 Month
Min Balance $1,000 Details with checking account Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.75%
17 Month Certificate Special	3.52%	3.55%	17 Month
Min Balance $1,000 Details without checking account Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.75%
7 Month Certificate Special	3.47%	3.50%	7 Month
Min Balance $1,000 Details with checking account Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.75%
11 Month Certificate Special	3.42%	3.45%	11 Month
Min Balance $1,000 Details without checking account Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.75%
4 Month Certificate Special	3.41%	3.45%	4 Month
Min Balance $1,000 Details with checking account Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.75%
7 Month Certificate Special	3.37%	3.40%	7 Month
Min Balance $1,000 Details without checking account Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.75%
4 Month Certificate Special	3.31%	3.35%	4 Month
Min Balance $1,000 Details without checking account Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.75%
60 Month CD/IRA	1.80%	1.81%	60 Month
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.75%
48 Month CD/IRA	1.60%	1.61%	48 Month
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.75%
36 Month CD/IRA	1.40%	1.40%	36 Month
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.75%
24 Month CD/IRA	1.30%	1.30%	24 Month
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.75%
18 Month CD/IRA	1.20%	1.20%	18 Month
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.75%
12 Month CD/IRA	1.00%	1.00%	12 Month
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.75%
182 Day CD/IRA	0.90%	0.90%	182 Day
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.75%
91 Day CD/IRA	0.70%	0.70%	91 Day
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.75%

First Bankers Trust Company Savings Rates

Product	Rate	APY
Health Savings Account	0.05%	0.05%
Min Deposit $50 Min Balance $25,000 Details Balance: $25,000.00 & Over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.75%
Health Savings Account	0.01%	0.01%
Min Deposit $50 Min Balance $100 Details Balance: $100.00 - $9,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.75%
Health Savings Account	0.01%	0.01%
Min Deposit $50 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Balance: $10,000.00 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.75%
Savings Accounts	0.01%	0.01%
Min Deposit $50 Min Balance $100 Details Balance: $100 & Over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.75%

First Bankers Trust Company Money Market Rates

Product	Rate	APY
Business Money Market Account	2.00%	2.02%
Min Deposit $50 Min Balance $2,500,000 Details Balance: $2,500,000.00 & Over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.75%
Business Money Market Account	1.80%	1.81%
Min Deposit $50 Min Balance $1,000,000 Details Balance: $1,000,000.00 - $2,499.999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.75%
Business Money Market Account	1.60%	1.61%
Min Deposit $50 Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.75%
Business Money Market Account	1.40%	1.41%
Min Deposit $50 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.75%
Business Money Market Account	1.20%	1.21%
Min Deposit $50 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.75%
Business Money Market Account	1.00%	1.00%
Min Deposit $50 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.75%
Money Market Account	1.00%	1.00%
Min Deposit $50 Min Balance $50,000 Details Balance: $50,000.00 & Over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.75%
Money Market Account	0.70%	0.70%
Min Deposit $50 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.75%
Business Money Market Account	0.20%	0.20%
Min Deposit $50 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.75%
Money Market Account	0.20%	0.20%
Min Deposit $50 Min Balance $2,500 Details Balance: $2,500.00 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.75%
Business Money Market Account	0.10%	0.10%
Min Deposit $50 Min Balance $0 Details Balance: $0.00-$24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.75%
Money Market Account	0.10%	0.10%
Min Deposit $50 Min Balance $0 Details Balance: $0.00-$2,499.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.75%

First Bankers Trust Company Checking Rates

Product	Rate	APY
Business Interest Checking	0.50%	0.50%
Min Deposit $50 Min Balance $1,500 Details Balance: $1,500.00 & Over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.75%
Premier Interest Checking	0.30%	0.30%
Min Deposit $50 Min Balance $1,500 Details Balance: $1,500.00 & Over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.75%
50 Plus Interest Checking	0.10%	0.10%
Min Deposit $50 Min Balance $0 Details Balance: $0.00 & Over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.75%
Business Interest Checking	0.10%	0.10%
Min Deposit $50 Min Balance $0 Details Balance: $0-$1,499.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.75%
Direct Interest Checking	0.10%	0.10%
Min Deposit $50 Min Balance $0 Details Balance: $0.00 & Over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.75%
Premier Interest Checking	0.10%	0.10%
Min Deposit $50 Min Balance $0 Details Balance: $0-$1,499.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.75%

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.
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Financial Health History

First Bankers Trust Company’s Texas Ratio fell from 19.94% in Q3 2023 to 10.75% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 2.8 to 5.0 and its Health Grade from D to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.2B	10.75%	5.0	A
March 31, 2026	$1.2B	12.40%	5.0	A
December 31, 2025	$1.2B	9.80%	5.0	A
September 30, 2025	$1.2B	9.65%	4.8	A-
June 30, 2025	$1.2B	13.45%	4.3	B
March 31, 2025	$1.2B	14.11%	4.4	B+
December 31, 2024	$1.2B	14.21%	4.1	B
September 30, 2024	$1.2B	13.56%	4.5	B+
June 30, 2024	$1.1B	15.23%	4.1	B
March 31, 2024	$1.1B	15.93%	3.9	B-
December 31, 2023	$1.1B	16.28%	3.6	C+
September 30, 2023	$1.2B	19.94%	2.8	D

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First Bankers Trust Company 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 Bankers Trust Company 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 Bankers Trust Company's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Bankers Trust Company

Bank Holding Company FIRST BANKERS TRUSTSHARES INC

Address 1201 Broadway St, Quincy, IL 62301 · Adams

Website https://www.firstbankers.com

FDIC Certificate # 16501

Established 19461023

FDIC Insurance Date 19461023

Domestic Offices 9

Total Branches 9

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 95/100

5.0

Exceptional Out of 5.0 Stars

10.75%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.6789%

Return on Equity (ROE) 9.5800%

Non-Performing Loans (NPL) 0.66%

Total Assets $1,223,841,000

Total Deposits $1,039,435,000

Equity Capital $87,497,000

Net Income $4,178,000

Headquarters Quincy

Total Branches and Offices 9

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

First Bankers Trust Company earned the Verified Healthy badge

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Frequently Asked Questions About First Bankers Trust Company

How many branches does First Bankers Trust Company operate?

First Bankers Trust Company currently maintains approximately 9 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 Bankers Trust Company 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 Bankers Trust Company provides members with tools to manage their accounts and build a solid financial history.

Does First Bankers Trust Company offer online and mobile banking?

Most modern institutions like First Bankers Trust Company 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.firstbankers.com.