First Mid Bank & Trust CD Rates — October 2026
As of October 22, 2026, First Mid Bank & Trust's highest tracked CD rate is 2.75% APY on a 24-month CD ($1,000 minimum). That is 1.8 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 0.30% to 2.75% APY.
Tracking began .
First Mid Bank & Trust CD rates
Published standard CD rates from 3 to 60 months; most terms require $1,000 and some longer terms $500. CD specials are listed on a separate page and are not included. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | Certificate of Deposit | $1,000 | 0.30% | −4.00% | Top 91% of tracked 3-month CDs · Verified October 22, 2026 |
| 6 months | Certificate of Deposit | $1,000 | 0.30% | −4.10% | Top 94% of tracked 6-month CDs · Verified October 22, 2026 |
| 9 months | Certificate of Deposit | $1,000 | 0.30% | −4.18% | Top 95% of tracked 9-month CDs · Verified October 22, 2026 |
| 12 months | Certificate of Deposit | $1,000 | 0.40% | −4.17% | Top 95% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | Certificate of Deposit | $1,000 | 0.45% | −4.27% | Top 94% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | Certificate of Deposit | $1,000 | 2.75% | −2.12% | Top 73% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | Certificate of Deposit | $1,000 | 2.75% | −2.20% | Top 70% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Certificate of Deposit | $1,000 | 2.75% | −2.23% | Top 67% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Certificate of Deposit | $1,000 | 2.75% | −2.26% | Top 69% of tracked 60-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are First Mid Bank & Trust's best CD rates by term?
First Mid Bank & Trust's best rate is 2.75% APY on 24 months, verified October 22, 2026.
- 3 mo0.30%
- 6 mo0.30%
- 9 mo0.30%
- 12 mo0.40%
- 18 mo0.45%
- 24 mo2.75%
- 36 mo2.75%
- 48 mo2.75%
- 60 mo2.75%
How much interest could a First Mid Bank & Trust CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$557.56 interest · $10,557.56 at maturity on $10,000.00.
2.75% APY · 24 months · Certificate of Deposit · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $3.740.30% APY · Certificate of Deposit · Standard | $7.470.30% APY · Certificate of Deposit · Standard | $18.680.30% APY · Certificate of Deposit · Standard | $37.360.30% APY · Certificate of Deposit · Standard |
| 6 months | $7.510.30% APY · Certificate of Deposit · Standard | $15.030.30% APY · Certificate of Deposit · Standard | $37.570.30% APY · Certificate of Deposit · Standard | $75.150.30% APY · Certificate of Deposit · Standard |
| 9 months | $11.260.30% APY · Certificate of Deposit · Standard | $22.510.30% APY · Certificate of Deposit · Standard | $56.280.30% APY · Certificate of Deposit · Standard | $112.560.30% APY · Certificate of Deposit · Standard |
| 12 months | $20.000.40% APY · Certificate of Deposit · Standard | $40.000.40% APY · Certificate of Deposit · Standard | $100.000.40% APY · Certificate of Deposit · Standard | $200.000.40% APY · Certificate of Deposit · Standard |
| 18 months | $33.820.45% APY · Certificate of Deposit · Standard | $67.640.45% APY · Certificate of Deposit · Standard | $169.090.45% APY · Certificate of Deposit · Standard | $338.190.45% APY · Certificate of Deposit · Standard |
| 24 months | $278.782.75% APY · Certificate of Deposit · Standard | $557.562.75% APY · Certificate of Deposit · Standard | $1,393.912.75% APY · Certificate of Deposit · Standard | $2,787.812.75% APY · Certificate of Deposit · Standard |
| 36 months | $423.952.75% APY · Certificate of Deposit · Standard | $847.902.75% APY · Certificate of Deposit · Standard | $2,119.742.75% APY · Certificate of Deposit · Standard | $4,239.482.75% APY · Certificate of Deposit · Standard |
| 48 months | $573.112.75% APY · Certificate of Deposit · Standard | $1,146.212.75% APY · Certificate of Deposit · Standard | $2,865.532.75% APY · Certificate of Deposit · Standard | $5,731.062.75% APY · Certificate of Deposit · Standard |
| 60 months | $726.372.75% APY · Certificate of Deposit · Standard | $1,452.732.75% APY · Certificate of Deposit · Standard | $3,631.832.75% APY · Certificate of Deposit · Standard | $7,263.672.75% APY · Certificate of Deposit · Standard |
How First Mid Bank & Trust compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 730-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 233 of 328 tracked institutions with fresh 730-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| First Mid Bank & Trust (this institution)Certificate of Deposit · Standard | 24 months | $1,000 | Branches in IA, IL, MO, TX, WI | 2.75% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 24 months | Not stated | Available nationwide | 4.80% | October 22, 2026 |
| Popular DirectCD · Standard | 24 months | $10,000 | Available nationwide | 4.80% | October 22, 2026 |
| BarclaysOnline CD · Standard | 24 months | Not stated | Available nationwide | 4.75% | October 22, 2026 |
| Tower Federal Credit Union (highest tracked APY for this term)Regular Share Certificate · Standard | 24 months | $500 | Membership required · branches in MD | 5.20% | October 22, 2026 |
| Treasury (APY-equivalent) | 24 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.87% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking First Mid Bank & Trust on October 22, 2026.
About First Mid Bank & Trust
- Legal name
- First Mid Bank & Trust, National Association
- Regulator ID
- FDIC 3705
- Headquarters
- Mattoon, IL
- Available in
- IA, IL, MO, TX, WI
- Total assets
- $9.1 billion
- Also known as
- Website
- www.firstmid.com
Source: rates read from https://www.firstmid.com/personal/deposit-rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at First Mid Bank & Trust?
Among the rates we track, 2.75% APY on a 24-month CD, as of October 22, 2026.
What is the minimum deposit for a First Mid Bank & Trust CD?
The lowest minimum we found is $1,000.
How does First Mid Bank & Trust's best CD rate compare with Treasury yields?
2.75% APY is −2.12% versus the 24-month Treasury yield of 4.87% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 2.75% a good CD rate?
It is 1.8 times the FDIC national average for a similar term (1.55% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are First Mid Bank & Trust CDs insured?
First Mid Bank & Trust is an FDIC-insured bank (FDIC 3705). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check First Mid Bank & Trust's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from First Mid Bank & Trust's website and may change at any time. Confirm terms, minimums and eligibility with First Mid Bank & Trust before opening an account. This page is not financial advice.