First National Bank of America CD Rates — October 2026
As of October 22, 2026, First National Bank of America's highest tracked CD rate is 4.75% APY on a 120-month CD ($1,000 minimum). That is 3.4 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 3.85% to 4.75% APY.
Tracking began .
First National Bank of America CD rates
Personal fixed-rate CDs from 3 to 120 months with a $1,000 minimum balance to earn the APY. IRA and HSA CDs require a branch visit and are excluded. Contact the bank for deposits over $1 million. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | Certificate of Deposit (CD) | $1,000 | 3.85% | −0.44% | Top 10% of tracked 3-month CDs · Verified October 22, 2026 |
| 6 months | Certificate of Deposit (CD) | $1,000 | 4.00% | −0.40% | Top 22% of tracked 6-month CDs · Verified October 22, 2026 |
| 12 months | Certificate of Deposit (CD) Promotional | $1,000 | 4.45% | −0.12% | Top 7% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | Certificate of Deposit (CD) | $1,000 | 4.40% | −0.32% | Top 9% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | Certificate of Deposit (CD) | $1,000 | 4.40% | −0.47% | Top 8% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | Certificate of Deposit (CD) | $1,000 | 4.50% | −0.45% | Top 5% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Certificate of Deposit (CD) | $1,000 | 4.50% | −0.48% | Top 4% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Certificate of Deposit (CD) | $1,000 | 4.60% | −0.41% | Top 4% of tracked 60-month CDs · Verified October 22, 2026 |
| 72 months | Certificate of Deposit (CD) | $1,000 | 4.60% | −0.45% | Verified October 22, 2026 |
| 84 months | Certificate of Deposit (CD) | $1,000 | 4.60% | −0.49% | Verified October 22, 2026 |
| 96 months | Certificate of Deposit (CD) | $1,000 | 4.60% | −0.53% | Verified October 22, 2026 |
| 108 months | Certificate of Deposit (CD) | $1,000 | 4.60% | −0.56% | Verified October 22, 2026 |
| 120 months | Certificate of Deposit (CD) | $1,000 | 4.75% | −0.45% | Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.45% APY (12 months). The standard rate for a similar term is 4.00% APY (6 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $45 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are First National Bank of America's best CD rates by term?
First National Bank of America's best rate is 4.75% APY on 120 months, verified October 22, 2026.
- 3 mo3.85%
- 6 mo4.00%
- 12 mo4.45%
- 18 mo4.40%
- 24 mo4.40%
- 36 mo4.50%
- 48 mo4.50%
- 60 mo4.60%
- 72 mo4.60%
- 84 mo4.60%
- 96 mo4.60%
- 108 mo4.60%
- 120 mo4.75%
How much interest could a First National Bank of America CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$5,905.24 interest · $15,905.24 at maturity on $10,000.00.
4.75% APY · 120 months · Certificate of Deposit (CD) · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $47.313.85% APY · Certificate of Deposit (CD) · Standard | $94.633.85% APY · Certificate of Deposit (CD) · Standard | $236.573.85% APY · Certificate of Deposit (CD) · Standard | $473.153.85% APY · Certificate of Deposit (CD) · Standard |
| 6 months | $99.294.00% APY · Certificate of Deposit (CD) · Standard | $198.594.00% APY · Certificate of Deposit (CD) · Standard | $496.474.00% APY · Certificate of Deposit (CD) · Standard | $992.934.00% APY · Certificate of Deposit (CD) · Standard |
| 12 months | $222.504.45% APY · Certificate of Deposit (CD) · Promotional | $445.004.45% APY · Certificate of Deposit (CD) · Promotional | $1,112.504.45% APY · Certificate of Deposit (CD) · Promotional | $2,225.004.45% APY · Certificate of Deposit (CD) · Promotional |
| 18 months | $333.924.40% APY · Certificate of Deposit (CD) · Standard | $667.844.40% APY · Certificate of Deposit (CD) · Standard | $1,669.594.40% APY · Certificate of Deposit (CD) · Standard | $3,339.184.40% APY · Certificate of Deposit (CD) · Standard |
| 24 months | $449.684.40% APY · Certificate of Deposit (CD) · Standard | $899.364.40% APY · Certificate of Deposit (CD) · Standard | $2,248.404.40% APY · Certificate of Deposit (CD) · Standard | $4,496.804.40% APY · Certificate of Deposit (CD) · Standard |
| 36 months | $705.834.50% APY · Certificate of Deposit (CD) · Standard | $1,411.664.50% APY · Certificate of Deposit (CD) · Standard | $3,529.154.50% APY · Certificate of Deposit (CD) · Standard | $7,058.314.50% APY · Certificate of Deposit (CD) · Standard |
| 48 months | $962.594.50% APY · Certificate of Deposit (CD) · Standard | $1,925.194.50% APY · Certificate of Deposit (CD) · Standard | $4,812.974.50% APY · Certificate of Deposit (CD) · Standard | $9,625.934.50% APY · Certificate of Deposit (CD) · Standard |
| 60 months | $1,260.784.60% APY · Certificate of Deposit (CD) · Standard | $2,521.564.60% APY · Certificate of Deposit (CD) · Standard | $6,303.904.60% APY · Certificate of Deposit (CD) · Standard | $12,607.804.60% APY · Certificate of Deposit (CD) · Standard |
| 72 months | $1,548.784.60% APY · Certificate of Deposit (CD) · Standard | $3,097.554.60% APY · Certificate of Deposit (CD) · Standard | $7,743.884.60% APY · Certificate of Deposit (CD) · Standard | $15,487.764.60% APY · Certificate of Deposit (CD) · Standard |
| 84 months | $1,850.024.60% APY · Certificate of Deposit (CD) · Standard | $3,700.044.60% APY · Certificate of Deposit (CD) · Standard | $9,250.104.60% APY · Certificate of Deposit (CD) · Standard | $18,500.194.60% APY · Certificate of Deposit (CD) · Standard |
| 96 months | $2,165.124.60% APY · Certificate of Deposit (CD) · Standard | $4,330.244.60% APY · Certificate of Deposit (CD) · Standard | $10,825.604.60% APY · Certificate of Deposit (CD) · Standard | $21,651.204.60% APY · Certificate of Deposit (CD) · Standard |
| 108 months | $2,494.724.60% APY · Certificate of Deposit (CD) · Standard | $4,989.434.60% APY · Certificate of Deposit (CD) · Standard | $12,473.584.60% APY · Certificate of Deposit (CD) · Standard | $24,947.164.60% APY · Certificate of Deposit (CD) · Standard |
| 120 months | $2,952.624.75% APY · Certificate of Deposit (CD) · Standard | $5,905.244.75% APY · Certificate of Deposit (CD) · Standard | $14,763.114.75% APY · Certificate of Deposit (CD) · Standard | $29,526.224.75% APY · Certificate of Deposit (CD) · Standard |
How First National Bank of America compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 3650-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 1 of 9 tracked institutions with fresh 3650-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| First National Bank of America (this institution) (highest tracked APY for this term)Certificate of Deposit (CD) · Standard | 120 months | $1,000 | Branches in MI | 4.75% | October 22, 2026 |
| Treasury (APY-equivalent) | 120 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 5.20% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking First National Bank of America on October 22, 2026.
About First National Bank of America
- Legal name
- First National Bank of America
- Regulator ID
- FDIC 17438
- Headquarters
- East Lansing, MI
- Available in
- MI
- Total assets
- $6.8 billion
- Also known as
- Website
- www.fnba.com
Source: rates read from https://www.fnba.com/deposit-rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at First National Bank of America?
Among the rates we track, 4.75% APY on a 120-month CD, as of October 22, 2026.
What is the minimum deposit for a First National Bank of America CD?
The lowest minimum we found is $1,000.
How does First National Bank of America's best CD rate compare with Treasury yields?
4.75% APY is −0.45% versus the 120-month Treasury yield of 5.20% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.75% a good CD rate?
It is 3.4 times the FDIC national average for a similar term (1.41% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are First National Bank of America CDs insured?
First National Bank of America is an FDIC-insured bank (FDIC 17438). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check First National Bank of America's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from First National Bank of America's website and may change at any time. Confirm terms, minimums and eligibility with First National Bank of America before opening an account. This page is not financial advice.