First American Bank And Trust credit card terms
Bank · 1 product surveyed · CFPB TCCP survey, Jul-Dec 2025
First American Bank And Trust reported a surveyed purchase APR of 22.5% (median 22.5%) to the CFPB Terms of Credit Card Plans survey, across 1 product. No annual fee was reported for its surveyed cards. These are surveyed terms, not an offer — your APR depends on your credit.
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
First American Bank And Trust surveyed terms at a glance
| Term | Reported value |
|---|---|
| Purchase APR (surveyed range) | 22.5% |
| Median purchase APR | 22.5% |
| Rate type | fixed |
| Intro / promo APR offered | Not reported |
| Balance-transfer APR (max) | — |
| Cash-advance APR (max) | 22.5% |
| Annual fee | — |
| Late fee (median) | $15 |
| Secured card offered | Not reported |
| Products surveyed | 1 |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
A dash (—) means First American Bank And Trust did not report that field in the survey.
How First American Bank And Trust compares
For good credit (620-719), the CFPB median purchase APR was 28.2% at large issuers and 18.15% at small banks and credit unions. First American Bank And Trust's median of 22.5% sits above the 21% national average APR.
Similar issuers (bank)
| Issuer | Surveyed purchase APR | Median APR | Annual fee |
|---|---|---|---|
| First American Bank And Trust (this issuer) | 22.5% | 22.5% | — |
| Forcht Bank | 12.75% – 24.75% | 21.75% | $295 |
| Tcm Bank | 16.74% – 26.74% | 21.74% | — |
| Blue Ridge Bank | 17.49% – 23.49% | 20.49% | — |
| First State Bank | 18% | 18% | — |
| Farm Bureau Bank Fsb | 16.74% – 29.99% | 17.99% | — |
| Midfirst Bank | 13.74% – 21.74% | 17.74% | — |
Forcht Bank · Tcm Bank · Blue Ridge Bank · First State Bank · Farm Bureau Bank Fsb · Midfirst Bank
Frequently asked questions
What is First American Bank And Trust's credit card APR?
First American Bank And Trust reported a purchase APR of 22.5% to the CFPB Terms of Credit Card Plans survey (median 22.5%), across 1 surveyed product. Rates are fixed. This is a surveyed range, not an offer; your actual APR depends on your credit.
Does First American Bank And Trust charge an annual fee?
First American Bank And Trust did not report an annual fee for its surveyed cards (most general cards from this issuer have no annual fee, though premium cards can). Verify the specific card's terms.
Is First American Bank And Trust a good choice for a low APR?
First American Bank And Trust's surveyed range is 22.5%. Compare it against a credit union, which often offers lower rates (federal credit unions are capped at 18%).
Keep exploring
Sources & accuracy
Terms reported by First American Bank And Trust (First American Bank And Trust) to the CFPB Terms of Credit Card Plans (TCCP) Survey (U.S. public domain, CFPB TCCP survey, Jul-Dec 2025). Surveyed terms are not an offer; your actual APR, fees and approval depend on your creditworthiness. Verify current terms with the issuer. See our methodology and disclaimer.
Last updated: 2026-06-29