First Mid Bank & Trust, National Association rates: up to 3.85% APY
bank · FDIC CERT 3705 · www.firstmid.com/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Individual Retirement Accounts | 12 Months | 0.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Accounts | 18 Months | 0.45% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Accounts | 24 Months | 2.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Accounts | 36 Months | 2.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Accounts | 48 Months | 2.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Accounts | 60 Months | 2.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | 0.05% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Certificate of Deposit | 3 Months | 0.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 6 Months | 0.30% | APY | 2026-11-01 | since 2026-11-01 | |
| 7 month Jumbo CD | 7 months | 3.85% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 9 Months | 0.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 12 Months | 0.40% | APY | 2026-11-01 | since 2026-11-01 | |
| 13 month Jumbo CD | 13 months | 3.65% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 18 Months | 0.45% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 24 Months | 2.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 36 Months | 2.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 48 Months | 2.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 60 Months | 2.75% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Jumbo Money Market | $0–$49,999.99 | 0.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Money Market | $50,000–$99,999.99 | 2.93% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Money Market | $100,000–$249,999.99 | 3.44% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Money Market | from $250,000 | 3.70% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $0–$4,999.99 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $5,000–$24,999.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $25,000–$49,999.99 | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | from $50,000 | 0.50% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Benefits with Interest Checking | $0–$24,999.99 | 0.01% | APY | 2026-11-01 | since 2026-11-01 | |
| Benefits with Interest Checking | from $25,000 | 0.25% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.firstmid.com/personal/deposit-rates | 2026-11-01 13:42 UTC | ok | bccfe64c3b03 |
| www.firstmid.com/cd-specials | 2026-11-01 13:42 UTC | ok | a4664a6fefcf |
| www.firstmid.com/agency-articles/what-determines-your-interest-rate | — | extract-failed |