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

Current rates for First National Bank and Trust AL include: 12-Month CD: 2.75%, 18-Month CD: 2.25%, 24-Month CD: 2.00%, 36-Month CD: 0.35%, 48-Month CD: 0.45%, 60-Month CD: 0.60%, Savings: 0.05%, MMA: 0.05%

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First National Bank and Trust AL

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First National Bank and Trust AL Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First National Bank and Trust AL 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 National Bank and Trust AL's 182 Day CD rates are at 3.25%, 9-Month CD rates are at 3.00%, 1 Year CD rates are at 2.75%, 18-Month CD rates are at 2.25%, 2 Year CD rates are at 2.00%. First National Bank and Trust AL's savings rates are at 0.05%. First National Bank and Trust AL's money market rates are at 0.05%. MonitorBankRates evaluates the financial stability of First National Bank and Trust AL with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 14.94%. Rates last updated and verified on 08/28/2026.

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

Verified Healthy Use This Badge on Your Bank Website

Overall Health & Safety Grade

A-

Very Good Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

14.94%

Excellent Higher than avg

First National Bank and Trust AL

111 S Main St
Atmore, AL 36502

https://www.fnbandt.com

First National Bank and Trust AL CD Rates

Product	Rate	APY	Term
182 Day CD	3.22%	3.25%	182 Day
Min Deposit $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.94%
9 Month CD	2.97%	3.00%	9 Month
Min Deposit $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.94%
1 Year CD	2.72%	2.75%	1 Year
Min Deposit $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.94%
18 Month CD	2.23%	2.25%	18 Month
Min Deposit $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.94%
2 Year CD	1.99%	2.00%	2 Year
Min Deposit $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.94%
5 Year CD	0.60%	0.60%	5 Year
Min Deposit $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.94%
4 Year CD	0.45%	0.45%	4 Year
Min Deposit $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.94%
3 Year CD	0.35%	0.35%	3 Year
Min Deposit $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.94%

First National Bank and Trust AL Savings Rates

Product	Rate	APY
Christmas Club	0.10%	0.10%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.94%
Statement Savings	0.05%	0.05%
Min Deposit $50 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.94%

First National Bank and Trust AL Money Market Rates

Product	Rate	APY	View More
FNB MMA	0.05%	0.05%
Min Deposit $50 Min Balance $25,000 Details daily balances up to $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.94%

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 National Bank and Trust AL 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 National Bank and Trust AL 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 National Bank and Trust AL's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First National Bank and Trust AL

Bank Holding Company FIRST SUNCOAST TR BANCSHARES

Address 111 S Main St, Atmore, AL 36502 · Escambia

Website https://www.fnbandt.com

FDIC Certificate # 2779

Established 01/01/1915

FDIC Insurance Date 01/01/1934

Domestic Offices 4

Total Branches 4

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A-

Overall Health Grade Score: 93/100

5.0

Exceptional Out of 5.0 Stars

14.94%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 2.3225%

Return on Equity (ROE) 43.0100%

Non-Performing Loans (NPL) 0.71%

Total Assets $239,483,000

Total Deposits $220,353,000

Equity Capital $18,354,000

Net Income $828,000

Headquarters Atmore

Total Branches and Offices 4

Source: FDIC | Last Updated 12/31/2025

2026 MBR Health & Safety Badge

First National Bank and Trust AL earned the Verified Healthy badge

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Frequently Asked Questions About First National Bank and Trust AL

How many branches does First National Bank and Trust AL operate?

First National Bank and Trust AL currently maintains approximately 4 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 National Bank and Trust AL 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 National Bank and Trust AL provides members with tools to manage their accounts and build a solid financial history.

Does First National Bank and Trust AL offer online and mobile banking?

Most modern institutions like First National Bank and Trust AL 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.fnbandt.com.