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.

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First Secure Bank and Trust Co. Rates & Review September 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 and Verified: September 19, 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 2.3 Star Rating, an F Overall Health Grade, and a Texas Ratio of 47.03%. Rates last updated and verified on 09/19/2026.

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

High Risk Health Score: 50/100

MonitorBankRates Rating

2.3

Average Out of 5.0 Stars

Texas Ratio

47.03%

Fair Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

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 Details Balance: $0.01 - $1,000,000; Compounding & Payment of Interest: Quarterly Last Updated 09/19/2026 Institution Ratings 2.3 Star Rating F Health Grade ◈ Texas Ratio: 47.03%
Monsters Savings	2.02%	2.04%
Min Deposit $250 Min Balance $0 Details Balance: $0.01 - $1,000,000; Compounding & Payment of Interest: Quarterly Last Updated 09/19/2026 Institution Ratings 2.3 Star Rating F Health Grade ◈ Texas Ratio: 47.03%
Business Monsters Savings	1.00%	1.01%
Min Deposit $250 Min Balance $1,000,000 Details Balance: $1,000,000.01 & Above; Compounding & Payment of Interest: Quarterly Last Updated 09/19/2026 Institution Ratings 2.3 Star Rating F Health Grade ◈ Texas Ratio: 47.03%
Monsters Savings	1.00%	1.01%
Min Deposit $250 Min Balance $1,000,000 Details Balance: $1,000,000.01 & Above; Compounding & Payment of Interest: Last Updated 09/19/2026 Institution Ratings 2.3 Star Rating F Health Grade ◈ Texas Ratio: 47.03%
Business Savings	0.20%	0.20%
Min Deposit $100 Min Balance $0 Details Compounding & Payment of Interest: Quarterly Last Updated 09/19/2026 Institution Ratings 2.3 Star Rating F Health Grade ◈ Texas Ratio: 47.03%
Koala Savings	0.20%	0.20%
Min Deposit $50 Min Balance $0 Details Balance: $0.01; Compounding & Payment of Interest: Quarterly Last Updated 09/19/2026 Institution Ratings 2.3 Star Rating F Health Grade ◈ Texas Ratio: 47.03%
Statement Savings	0.20%	0.20%
Min Deposit $100 Min Balance $0 Details Balance: $0.01; Compounding & Payment of Interest: Quarterly Last Updated 09/19/2026 Institution Ratings 2.3 Star Rating F Health Grade ◈ Texas Ratio: 47.03%

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 Details Balance: $25,000.01 and over; Compounding & Payment of Interest: Monthly Last Updated 09/19/2026 Institution Ratings 2.3 Star Rating F Health Grade ◈ Texas Ratio: 47.03%
Personal Money Market	0.20%	0.20%
Min Deposit $2,501 Min Balance $25,001 Details Balance: $25,001.00 & Above Last Updated 09/19/2026 Institution Ratings 2.3 Star Rating F Health Grade ◈ Texas Ratio: 47.03%
Business Money Market	0.15%	0.15%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000.01 to $25,000; Compounding & Payment of Interest: Monthly Last Updated 09/19/2026 Institution Ratings 2.3 Star Rating F Health Grade ◈ Texas Ratio: 47.03%
Personal Money Market	0.15%	0.15%
Min Deposit $2,501 Min Balance $10,001 Details Balance: $10,001.00 - $25,000.99 Last Updated 09/19/2026 Institution Ratings 2.3 Star Rating F Health Grade ◈ Texas Ratio: 47.03%
Business Money Market	0.10%	0.10%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 to $10,000; Compounding & Payment of Interest: Monthly Last Updated 09/19/2026 Institution Ratings 2.3 Star Rating F Health Grade ◈ Texas Ratio: 47.03%
Personal Money Market	0.10%	0.10%
Min Deposit $2,501 Min Balance $2,501 Details Balance: $2,501.00 to $10,000.99 Last Updated 09/19/2026 Institution Ratings 2.3 Star Rating F Health Grade ◈ Texas Ratio: 47.03%

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 Details Balance: $0.01 and over Last Updated 09/19/2026 Institution Ratings 2.3 Star Rating F Health Grade ◈ Texas Ratio: 47.03%

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 Secure Bank and Trust Co.’s Texas Ratio rose from 13.27% in Q3 2023 to 47.03% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 2.3 and its Health Grade from A to F. 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	$396M	47.03%	2.3	F
March 31, 2026	$395M	45.63%	2.5	F
December 31, 2025	$392M	32.10%	3.6	D
September 30, 2025	$376M	35.39%	3.3	D
June 30, 2025	$373M	32.71%	3.5	D
March 31, 2025	$398M	44.60%	2.5	F
December 31, 2024	$394M	47.92%	2.3	F
September 30, 2024	$373M	32.98%	3.5	D
June 30, 2024	$368M	26.03%	4.1	C+
March 31, 2024	$370M	15.70%	4.9	A-
December 31, 2023	$362M	17.46%	4.8	B+
September 30, 2023	$359M	13.27%	5.0	A

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 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 19771021

FDIC Insurance Date 19771021

Domestic Offices 6

Total Branches 6

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 50/100

2.3

Average Out of 5.0 Stars

47.03%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.5124%

Return on Equity (ROE) 5.0300%

Non-Performing Loans (NPL) 4.78%

Total Assets $396,243,000

Total Deposits $313,748,000

Equity Capital $40,659,000

Net Income $1,011,000

Headquarters Palos Hills

Total Branches and Offices 6

Source: FDIC | Last Updated 06/30/2026

Customer Reviews

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Frequently Asked Questions About First Secure Bank and Trust Co.

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.