First Bankers Trust Company

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.firstbankers.com

217-228-8000

1201 Broadway St.
Quincy, IL 62301

First Bankers Trust Company is headquartered in QUINCY and is the 48^th largest bank in the state of Illinois. It is also the 886^th largest bank in the nation. It was established in 1946 and as of March of 2025, it had grown to 168 employees at 9 locations. First Bankers Trust Company's money market rates are 2X the national average, and it has a B health rating.

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	16501
Year Established	1946
Employees	168
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.62%
Return on Equity - YTD	9.88%
Annual Interest Income	$12.5MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$1.19B$1.11B
Loans	Q1 2025vs Q1 2024	$622MM$598.4MM
Deposits	Q1 2025vs Q1 2024	$1.01B$965.1MM
Equity Capital	Q1 2025vs Q1 2024	$76.6MM$66MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$8.5MM$8.1MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$10.8MM$10.5MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Bankers Trust Company Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%^*	$25k^*	-	Health Savings Account
OTHER TIERS: 0.01% → $100 - $25k
0.01%	$100	-	Regular Savings

First Bankers Trust Company Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
2.02%^*	$2.5m^*	-	Smart Business Money Market Account
OTHER TIERS: 0.10% → $0 - $25k \| 0.20% → $25k - $50k \| 1.00% → $50k - $100k \| 1.21% → $100k - $250k \| 1.41% → $250k - $500k \| 1.61% → $500k - $1m \| 1.81% → $1m - $2.5m
1.00%^*	$50k^*	-	Money Market Account
OTHER TIERS: 0.10% → $0 - $2.5k \| 0.20% → $2.5k - $25k \| 0.70% → $25k - $50k

First Bankers Trust Company Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	$1.5k^*	-	Business Interest Checking
OTHER TIERS: 0.10% → $0 - $1.5k
0.30%^*	$1.5k^*	-	Premier Interest Checking
OTHER TIERS: 0.10% → $0 - $1.5k
0.10%	$0	-	Direct Interest Checking
0.10%	$0	-	50 Plus Interest Checking

First Bankers Trust Company CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.05%	$1k	-	4 Month CD Special W/ Checking
3.95%	$1k	-	7 Month CD Special W/ Checking
3.95%	$1k	-	4 Month CD Special W/o Checking
3.85%	$1k	-	7 Month CD Special W/o Checking
3.80%	$1k	-	11 Month CD Special W/ Checking
3.70%	$1k	-	11 Month CD Special W/o Checking
3.65%	$1k	-	17 Month CD Special W/ Checking
3.55%	$1k	-	17 Month CD Special W/o Checking
1.81%	$1k	-	60 Month CD
1.61%	$1k	-	48 Month CD
1.40%	$1k	-	36 Month CD
1.30%	$1k	-	24 Month CD
1.20%	$1k	-	18 Month CD
1.00%	$1k	-	12 Month CD
0.90%	$1k	-	182 Day CD
0.70%	$1k	-	91 Day CD

First Bankers Trust Company IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.81%	$1k	-	60 Month IRA
1.61%	$1k	-	48 Month IRA
1.40%	$1k	-	36 Month IRA
1.30%	$1k	-	24 Month IRA
1.20%	$1k	-	18 Month IRA
1.00%	$1k	-	12 Month IRA
0.90%	$1k	-	182 Day IRA
0.70%	$1k	-	91 Day IRA

Locations

First Bankers Trust Company Locations
Mendon Branch	101 East Collins Street	Mendon, IL 62351
Rushville Branch	116 South Congress Street	Rushville, IL 62681
First Bankers Trust Company, National Association	1201 Broadway St	Quincy, IL 62301
1395 Buchanan Street Branch	1395 Buchanan Street	Carthage, IL 62321
Springfield Branch	2201 Wabash Ave	Springfield, IL 62704
24th and Kochs Lane Facility	2321 Kochs Lane	Quincy, IL 62301
Community Facility	3333 Broadway	Quincy, IL 62301
Union Bank/West Branch	440 North Lafayette Street	Macomb, IL 61455
State At 24th Street Facility	502 South 24th Street	Quincy, IL 62301

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