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First Mid Bank & Trust, National Association is an FDIC insured institution headquartered at
1515 Charleston Ave, Mattoon, IL 61938.
It was founded in
1865 and has approximately $8 billion in assets. Customers can open an account at one of its 52 branches.
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
SAV
|
0.05% | $100 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
3 Mo CD
|
0.30% | $1,000 | Compare |
|
6 Mo CD
|
0.30% | $1,000 | Compare |
|
12 Mo CD
|
0.40% | $1,000 | Compare |
|
18 Mo CD
|
0.45% | $1,000 | Compare |
|
24 Mo CD
|
0.50% | $1,000 | Compare |
|
36 Mo CD
|
0.65% | $1,000 | Compare |
|
48 Mo CD
|
0.90% | $1,000 | Compare |
|
60 Mo CD
|
1.15% | $1,000 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.07% | $0 | Compare |
|
Money Market
|
0.15% | $1 | Compare |
|
Money Market
|
0.10% | $10,000 | Compare |
|
Money Market
|
0.25% | $15,000 | Compare |
|
Money Market
|
0.25% | $100,000 | Compare |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
INTCK
|
0.01% | $0 |
Rate.com NMLS ID: 2611 / Updated 2026-07-21 |
Fund your future with your Home Equity | $0 |
|
Intro APR: 6.540 %
After Intro:6.540 % Intro Period: 6 months |
$5,000 |
|
Intro APR: 6.750 %
After Intro:6.750 % |
$25,000 |
|
Intro APR: 6.823 %
After Intro:6.823 % |
$25,000 |
|
Intro APR: 6.950 %
After Intro:6.950 % |
$15,000 |
Figure Home Equity NMLS ID: 1717824 / Updated 2025-09-22 |
Intro APR: 6.950 %
After Intro:6.950 % |
$15,000 |
Four Leaf Federal Credit Union NMLS ID: 449104 / Updated 2025-12-22 |
Intro APR: 5.990 %
After Intro:7.000 % Intro Period: 12 months |
$25,000 |
|
Intro APR: 7.375 %
After Intro:7.375 % Intro Period: 7 months |
$25,000 |
Unlock Technologies, Inc. NMLS ID: Not a Lender / Updated 2026-07-21 |
Get cash now in exchange for a percentage of your homes future equity. | $0 |
CrossCountry Mortgage, LLC NMLS ID: 3029 / Updated 2026-07-21 |
Unlock Your Home's Potential | $0 |
AmeriSave Mortgage Corporation NMLS ID: 1168 / Updated 2026-07-21 |
Use Home Equity to get cash you need | $0 |
| HELOC approval in 5 minutes, funding in 5 days. Borrow up to $750k online. | $0 |
| Cash in with a HELOC | $0 |
Spring EQ NMLS ID: 1464945 / Updated 2026-07-21 |
The leader for homeowners tapping cash from their homes since 2016. | $0 |
| 6.223% |
$1,919
Fees & Points
$7,699 Total
1.000 Pts ($3,200) $4,499 Fees |
Optimum First Mortgage NMLS ID: 240415 |
6.272% |
$1,945
Fees & Points
$5,013 Total
0.943 Pts ($3,018) $1,995 Fees |
Farmers Bank of Kansas City NMLS ID: 613839 |
6.331% |
$1,971
Fees & Points
$2,725 Total
0.603 Pts ($1,930) $795 Fees |
Saxton Mortgage NMLS ID: 1717191 |
6.338% |
$1,971
Fees & Points
$3,071 Total
0.555 Pts ($1,776) $1,295 Fees |
Copperstate Home Loans NMLS ID: 1982090 |
6.369% |
$1,971
Fees & Points
$4,159 Total
0.875 Pts ($2,800) $1,359 Fees |
| 6.372% |
$1,971
Fees & Points
$4,215 Total
0.989 Pts ($3,165) $1,050 Fees |
Basis Lending, LLC NMLS ID: 2463124 |
6.409% |
$1,971
Fees & Points
$5,514 Total
0.625 Pts ($2,000) $3,515 Fees |
Barrett Financial NMLS ID: 181106 |
6.415% |
$1,971
Fees & Points
$5,595 Total
0.875 Pts ($2,800) $2,795 Fees |
| 6.457% |
$1,997
Fees & Points
$2,755 Total
0.861 Pts ($2,755) $0 Fees |
Watermark Home Loans NMLS ID: 1838 |
6.474% |
$1,997
Fees & Points
$3,420 Total
0.560 Pts ($1,792) $1,628 Fees |
Simply PMG NMLS ID: 133739 |
6.477% |
$1,997
Fees & Points
$3,436 Total
0.669 Pts ($2,141) $1,295 Fees |
Loansteady NMLS ID: 1701910 |
6.479% |
$1,997
Fees & Points
$3,495 Total
0.625 Pts ($2,000) $1,495 Fees |
| 6.483% |
$1,997
Fees & Points
$3,860 Total
0.820 Pts ($2,624) $1,236 Fees |
Mutual of Omaha Mortgage NMLS ID: 1025894 |
6.519% |
$1,971
Fees & Points
$9,133 Total
0.729 Pts ($2,333) $6,800 Fees |
Beeline Loans, Inc. NMLS ID: 1799947 |
6.551% |
$2,021
Fees & Points
$2,019 Total
0.631 Pts ($2,019) $0 Fees |
Northpointe Bank NMLS ID: 447490 |
6.587% |
$2,021
Fees & Points
$3,225 Total
0.572 Pts ($1,830) $1,395 Fees |
Allied Mortgage Group, Inc. NMLS ID: 1067 |
6.808% |
$2,076
Fees & Points
$1,901 Total
0.594 Pts ($1,901) $0 Fees |
Veterans United Home Loans NMLS ID: 1907 |
Fees & Points
Total
Pts ($0) $0 Fees |
Beeline Loans, Inc. NMLS ID: 1799947 |
Fees & Points
Total
Pts ($0) $0 Fees |
Quicken Loans NMLS ID: 167283 |
Fees & Points
Total
Pts ($0) $0 Fees |
|
Fees & Points
Total
Pts ($0) $0 Fees |
Rocket Mortgage NMLS ID: 3030 |
Fees & Points
Total
Pts ($0) $0 Fees |
Allied Mortgage Group, Inc. NMLS ID: 1067 |
Fees & Points
Total
Pts ($0) $0 Fees |
| FDIC Insured | Yes |
| FDIC Certificate | # 3705 |
| Date Established | 1865 |
| Assets | $ 7.90 billion |
| Loans | $ 5.94 billion |
| Deposits | $ 6.46 billion |
| Capital | $ 935.22 million |
| ASSETS | |
| Cash & Balances due from depository institutions | $ 251.79 million |
| Interest-bearing balances | $ 197.62 million |
| Total securities | $ 1,081.61 million |
| Federal funds sold and reverse repurchase | $ 0.08 million |
| Net loans and leases | $ 5.94 billion |
| Loan loss allowance | $ 74.88 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 2.86 million |
| Goodwill and other intangibles | $ 219.34 million |
| All other assets | $ 291.26 million |
| Total Assets | $ 6.97 billion |
| LIABILITIES | |
| Total deposits | $ 6.46 billion |
| Interest-bearing deposits | $ 5.00 billion |
| Deposits held in domestic offices | $ 6.46 billion |
| % insured (estimated)" | 74.17% |
| Federal funds purchased and repurchase agreements | $ 196.72 million |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 376.29 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 28.57 millionn |
| Total Liabilities | $ 6.97 billion |
| Shareholders’ Equity | $ 935.22 million |
| INCOME AND EXPENSES | |
| Total Interest Income | $ 372.77 million |
| Total Interest Expense | $ 111.19 million |
| Net interest income | $ 261.57 million |
| Provision for loan and lease losses | $ 9.82 million |
| Total non interest income | $ 51.86 million |
| Total non interest expense | $ 189.21 million |
| Pre-tax Net Operating Income | $ 39.73 million |
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