What are the current interest rates at First Secure Bank and Trust Co.?

Current rates for First Secure Bank and Trust Co. include: Savings: 0.20%, MMA: 0.10%

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First Secure Bank and Trust Co. Rates & Review March 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Secure Bank and Trust Co. 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: March 26, 2026

First Secure Bank and Trust Co.'s savings rates are at 0.20%. First Secure Bank and Trust Co.'s money market rates are at 0.10%. MonitorBankRates evaluates the financial stability of First Secure Bank and Trust Co. with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 13.27%. Rates were last updated on 03/26/2026.

First Secure Bank and Trust Co. 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 Secure Bank and Trust Co.? Share your experience about First Secure Bank and Trust Co. by leaving a review below, or read customer reviews before you decide to use First Secure Bank and Trust Co..

Overall Health & Safety Grade

Excellent Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

13.27%

Excellent Higher than avg

First Secure Bank and Trust Co.

10360 S Roberts Rd
Palos Hills, IL 60465

https://www.firstsecurebank.com

First Secure Bank and Trust Co. Savings Rates

Product	Rate	APY
Business Monsters Savings	2.02%	2.04%
Min Deposit $250 Min Balance $0 Last Updated 03/26/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Monsters Savings	2.02%	2.04%
Min Deposit $250 Min Balance $0 Details Qualifying balance up to $1,000,000.00 Last Updated 03/26/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Business Monsters Savings	1.00%	1.01%
Min Deposit $250 Min Balance $1,000,000 Last Updated 03/26/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Business Savings	0.20%	0.20%
Min Deposit $100 Min Balance $0 Last Updated 03/26/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Koala Savings	0.20%	0.20%
Min Deposit $50 Min Balance $0 Last Updated 03/26/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Statement Savings	0.20%	0.20%
Min Deposit $100 Min Balance $0 Last Updated 03/26/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%

First Secure Bank and Trust Co. Money Market Rates

Product	Rate	APY
Business Money Market	0.20%	0.20%
Min Deposit $2,500 Min Balance $25,000 Last Updated 03/26/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Personal Money Market	0.20%	0.20%
Min Deposit $2,501 Min Balance $25,001 Last Updated 03/26/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Business Money Market	0.15%	0.15%
Min Deposit $2,500 Min Balance $10,000 Last Updated 03/26/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Personal Money Market	0.15%	0.15%
Min Deposit $2,501 Min Balance $10,001 Last Updated 03/26/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Business Money Market	0.10%	0.10%
Min Deposit $2,500 Min Balance $2,500 Last Updated 03/26/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Personal Money Market	0.10%	0.10%
Min Deposit $2,501 Min Balance $2,501 Last Updated 03/26/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%

First Secure Bank and Trust Co. Checking Rates

Product	Rate	APY	View More
Personal Interest Checking	0.10%	0.10%
Min Deposit $1,000 Min Balance $0 Last Updated 03/26/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%

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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Methodology & Data Sources

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

Bank Profile & Overview

Institution Name First Secure Bank and Trust Co.

Bank Holding Company FIRST SECURE BANK GROUP INC

Address 10360 S Roberts Rd, Palos Hills, IL 60465 · Cook

Website https://www.firstsecurebank.com

FDIC Certificate # 22536

Established 10/21/1977

FDIC Insurance Date 10/21/1977

Domestic Offices 6

Total Branches 6

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 93/100

5.0

Exceptional Out of 5.0 Stars

13.27%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.6950%

Return on Equity (ROE) 7.2000%

Non-Performing Loans (NPL) 1.18%

Total Assets $392,141,000

Total Deposits $307,549,000

Equity Capital $39,715,000

Net Income $1,484,000

Headquarters Palos Hills

Total Offices 6

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About First Secure Bank and Trust Co.

Is First Secure Bank and Trust Co. a safe place to deposit money?

Yes, First Secure Bank and Trust Co. is considered a safe financial institution. With a Texas Ratio of 13.271428571429%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does First Secure Bank and Trust Co. operate?

First Secure Bank and Trust Co. currently maintains approximately 6 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 Secure Bank and Trust Co. 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 Secure Bank and Trust Co. provides members with tools to manage their accounts and build a solid financial history.

Does First Secure Bank and Trust Co. offer online and mobile banking?

Most modern institutions like First Secure Bank and Trust Co. 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.firstsecurebank.com.