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Welcome First Bank & Trust East Texas customers! Click the merger details banner on the homepage to access your account information. Presidents' Day: Monday, February 19th: All traditional branches and motor banks will be closed. Grocery store locations will be open 9 am - 4 pm.

Current Interest Rates

PERSONAL CHECKING & SAVINGS RATES
Youth Savings Account 0.25% 0.25%
 
Regular Savings Account Interest Rate APY
Less than $2,500 0.07% 0.07%
$2,500 - $9,999 0.11% 0.11%
$10,000 - $24,999 0.15% 0.15%
$25,000 - $49,999 0.19% 0.19%
$50,000 - $99,999 0.23% 0.23%
$100,000 - $249,999 0.31% 0.31%
$250,000 and above 0.39% 0.39%
Notes:
APY=Annual Percentage Yield
$25 minimum deposit to open Youth Savings
$50 minimum deposit to open other accounts listed above
Fees may reduce earnings on the account
Rate may change after account opens
Rates and APY as of 02/16/2018
 
Health Savings Account Interest Rate APY
Less than $5,000 0.00% 0.00%
$5,000 and above 0.12% 0.12%
Notes:
APY=Annual Percentage Yield
$100 minimum deposit to open
Fees may reduce earnings on the account
Rate may change after account opens
Rates and APY as of 02/16/2018
 
Checking Plus Account Interest Rate APY
Daily Balance to Obtain APY
Less than $2,500 0.06% 0.06%
$2,500 - $9,999 0.11% 0.11%
$10,000 - $24,999 0.15% 0.15%
$25,000 - $49,999 0.19% 0.19%
$50,000 - $99,999 0.22% 0.22%
$100,000 - $249,999 0.29% 0.29%
$250,000 and above 0.37% 0.37%
Notes:
APY=Annual Percentage Yield
$50 minimum deposit to open
Fees may reduce earnings on the account
Rate may change after account opens
Rates and APY as of 02/16/2018
 
Relationship Checking Account Interest Rate APY
Daily Balance to Obtain APY
Less than $7,500 0.00% 0.00%
$7,500 - $19,999 0.10% 0.10%
$20,000 - $49,999 0.16% 0.16%
$50,000 - $99,999 0.23% 0.23%
$100,000 - $499,999 0.34% 0.34%
$500,000 and above 0.39% 0.39%
Notes:
APY=Annual Percentage Yield
$50 minimum deposit to open
Fees may reduce earnings on the account
Rate may change after account opens
Rates and APY as of 02/16/2018
 
Senior Checking Interest Rate APY
Less than $1,000 0.00% 0.00%
$1,000 and above 0.12% 0.12%
Notes:
APY=Annual Percentage Yield
$50 minimum deposit to open
Fees may reduce earnings on the account
Rate may change after account opens
Rates and APY as of 02/16/2018

MONEY MARKET CHECKING ACCOUNTS
 
Advantage Investment Account
 
Daily Balance to Obtain APY Interest Rate APY
Less than $10,000 0.10% 0.10%
$10,000 - $19,999 0.15% 0.15%
$20,000 - $29,999 0.23% 0.23%
$30,000 - $249,999 0.49% 0.49%
$250,000 and above 0.69% 0.69%
Notes:
APY=Annual Percentage Yield
$50 minimum deposit to open
Fees may reduce earnings on the account
Rate may change after account opens
Rates and APY as of 02/16/2018
 
Platinum Advantage Investment Account
 
Daily Balance to Obtain APY
Interest Rate APY
Less than $20,000 0.11% 0.11%
$20,000 - $49,999 0.16% 0.16%
$50,000 - $74,999 0.27% 0.27%
$75,000 - $149,999 0.44% 0.44%
$150,000 - $249,999 0.63% 0.63%
$250,000 and above 0.75% 0.75%
Notes:
APY=Annual Percentage Yield
Fees may reduce earnings on the account
Rate may change after account opens
$5000 minimum deposit to open
Rates and APY as of 02/16/2018

BUSINESS CHECKING & SAVINGS ACCOUNTS
 
Business Savings Account Interest Rate APY
Less than $2,500 0.08% 0.08%
$2,500 - $9,999 0.12% 0.12%
$10,000 - $24,999 0.15% 0.15%
$25,000 - $49,999 0.20% 0.20%
$50,000 - $99,999 0.23% 0.23%
$100,000 - $249,999 0.31% 0.31%
$250,000 and above 0.39% 0.39%
Notes:
APY=Annual Percentage Yield
$50 minimum deposit to open
Fees may reduce earnings on the account
Rate may change after account opens
Rates and APY as of 02/16/2018
 
Premier Business Checking Account Interest Rate APY
Less than $20,000 0.09% 0.09%
$20,000 - $49,999 0.18% 0.18%
$50,000 - $99,999 0.24% 0.24%
$100,000 - $249,999 0.29% 0.29%
$250,000 - $499,999 0.34% 0.34%
$500,000 and above 0.40% 0.40%
Notes:
APY=Annual Percentage Yield
$50 minimum deposit to open
Fees may reduce earnings on the account
Rate may change after account opens
Rates and APY as of 02/16/2018

CERTIFICATES OF DEPOSIT & INDIVIDUAL RETIREMENT ACCOUNTS (IRA)
 
Certificates of Deposit ($25,000 or above) Interest Rate APY
1 Month CD 0.60% 0.60%
3 Month CD 0.85% 0.85%
6 Month CD 1.05% 1.05%
1 Year CD 1.30% 1.30%
3 Year CD 1.70% 1.71%
5 Year CD 1.95% 1.96%
Notes:
APY=Annual Percentage Yield
A penalty may be imposed for early withdrawal
$25,000 minimum deposit to open
IRAs may only be opened for terms of 1 year or more.
Rates and APY as of 02/16/2018
Must maintain a minimum balance of $25,000 to obtain the disclosed APY