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 September 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: September 14, 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 3.44%. Rates last updated and verified on 09/14/2026.

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 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.44%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

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 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
9 Month CD	2.97%	3.00%	9 Month
Min Deposit $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
1 Year CD	2.72%	2.75%	1 Year
Min Deposit $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
18 Month CD	2.23%	2.25%	18 Month
Min Deposit $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
2 Year CD	1.99%	2.00%	2 Year
Min Deposit $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
5 Year CD	0.60%	0.60%	5 Year
Min Deposit $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
4 Year CD	0.45%	0.45%	4 Year
Min Deposit $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
3 Year CD	0.35%	0.35%	3 Year
Min Deposit $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%

First National Bank and Trust AL Savings Rates

Product	Rate	APY
Christmas Club	0.10%	0.10%
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%
Statement Savings	0.05%	0.05%
Min Deposit $50 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%

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 $0 Details daily balances up to $25,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%

First National Bank and Trust AL Other Rates

Product	Rate	Points	APY/APR	Term	View More
FNB NOW	0.05%	-	0.05%
Min Deposit $50 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.44%

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 National Bank and Trust AL’s Texas Ratio fell from 14.94% in Q3 2023 to 3.44% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 3.2 to 5.0 and its Health Grade from C 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	$239M	3.44%	5.0	A+
March 31, 2026	$244M	2.77%	5.0	A+
December 31, 2025	$239M	2.91%	5.0	A+
September 30, 2025	$229M	3.07%	5.0	A+
June 30, 2025	$226M	12.69%	4.9	A-
March 31, 2025	$228M	12.41%	5.0	A
December 31, 2024	$217M	14.24%	4.4	B
September 30, 2024	$221M	11.89%	5.0	A
June 30, 2024	$213M	0.00%	4.6	A
March 31, 2024	$214M	0.00%	4.7	A+
December 31, 2023	$215M	11.66%	4.8	A-
September 30, 2023	$218M	14.94%	3.2	C

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 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 19150101

FDIC Insurance Date 19340101

Domestic Offices 4

Total Branches 4

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

3.44%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.4956%

Return on Equity (ROE) 6.4800%

Non-Performing Loans (NPL) 0.06%

Total Assets $238,604,000

Total Deposits $218,854,000

Equity Capital $18,670,000

Net Income $596,000

Headquarters Atmore

Total Branches and Offices 4

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

First National Bank and Trust AL earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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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.