# First Mid Bank & Trust CD rates

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.

Canonical page: https://apyledger.com/cd-rates/first-mid-bank-and-trust
Institution: First Mid Bank & Trust, National Association (FDIC 3705)
Aliases: 
Status: live
Last verified: 2026-10-23T01:40:33.000Z (October 22, 2026)
Official source: https://www.firstmid.com/personal/deposit-rates
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit | standard | 3 months | $1,000 | 0.30% | Not ZIP-priced | −4.00% | 2026-10-23T01:40:33.000Z | [Snapshot 585](https://apyledger.com/snapshots/585) |
| Certificate of Deposit | standard | 6 months | $1,000 | 0.30% | Not ZIP-priced | −4.10% | 2026-10-23T01:40:33.000Z | [Snapshot 585](https://apyledger.com/snapshots/585) |
| Certificate of Deposit | standard | 9 months | $1,000 | 0.30% | Not ZIP-priced | −4.18% | 2026-10-23T01:40:33.000Z | [Snapshot 585](https://apyledger.com/snapshots/585) |
| Certificate of Deposit | standard | 12 months | $1,000 | 0.40% | Not ZIP-priced | −4.17% | 2026-10-23T01:40:33.000Z | [Snapshot 585](https://apyledger.com/snapshots/585) |
| Certificate of Deposit | standard | 18 months | $1,000 | 0.45% | Not ZIP-priced | −4.27% | 2026-10-23T01:40:33.000Z | [Snapshot 585](https://apyledger.com/snapshots/585) |
| Certificate of Deposit | standard | 24 months | $1,000 | 2.75% | Not ZIP-priced | −2.12% | 2026-10-23T01:40:33.000Z | [Snapshot 585](https://apyledger.com/snapshots/585) |
| Certificate of Deposit | standard | 36 months | $1,000 | 2.75% | Not ZIP-priced | −2.20% | 2026-10-23T01:40:33.000Z | [Snapshot 585](https://apyledger.com/snapshots/585) |
| Certificate of Deposit | standard | 48 months | $1,000 | 2.75% | Not ZIP-priced | −2.23% | 2026-10-23T01:40:33.000Z | [Snapshot 585](https://apyledger.com/snapshots/585) |
| Certificate of Deposit | standard | 60 months | $1,000 | 2.75% | Not ZIP-priced | −2.26% | 2026-10-23T01:40:33.000Z | [Snapshot 585](https://apyledger.com/snapshots/585) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.