# First National Bank of America CD rates

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.

Canonical page: https://apyledger.com/cd-rates/first-national-bank-of-america
Institution: First National Bank of America (FDIC 17438)
Aliases: 
Status: live
Last verified: 2026-10-23T01:40:33.000Z (October 22, 2026)
Official source: https://www.fnba.com/deposit-rates/
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit (CD) | standard | 3 months | $1,000 | 3.85% | Not ZIP-priced | −0.44% | 2026-10-23T01:40:33.000Z | [Snapshot 583](https://apyledger.com/snapshots/583) |
| Certificate of Deposit (CD) | standard | 6 months | $1,000 | 4.00% | Not ZIP-priced | −0.40% | 2026-10-23T01:40:33.000Z | [Snapshot 583](https://apyledger.com/snapshots/583) |
| Certificate of Deposit (CD) | promotional | 12 months | $1,000 | 4.45% | Not ZIP-priced | −0.12% | 2026-10-23T01:40:33.000Z | [Snapshot 583](https://apyledger.com/snapshots/583) |
| Certificate of Deposit (CD) | standard | 18 months | $1,000 | 4.40% | Not ZIP-priced | −0.32% | 2026-10-23T01:40:33.000Z | [Snapshot 583](https://apyledger.com/snapshots/583) |
| Certificate of Deposit (CD) | standard | 24 months | $1,000 | 4.40% | Not ZIP-priced | −0.47% | 2026-10-23T01:40:33.000Z | [Snapshot 583](https://apyledger.com/snapshots/583) |
| Certificate of Deposit (CD) | standard | 36 months | $1,000 | 4.50% | Not ZIP-priced | −0.45% | 2026-10-23T01:40:33.000Z | [Snapshot 583](https://apyledger.com/snapshots/583) |
| Certificate of Deposit (CD) | standard | 48 months | $1,000 | 4.50% | Not ZIP-priced | −0.48% | 2026-10-23T01:40:33.000Z | [Snapshot 583](https://apyledger.com/snapshots/583) |
| Certificate of Deposit (CD) | standard | 60 months | $1,000 | 4.60% | Not ZIP-priced | −0.41% | 2026-10-23T01:40:33.000Z | [Snapshot 583](https://apyledger.com/snapshots/583) |
| Certificate of Deposit (CD) | standard | 72 months | $1,000 | 4.60% | Not ZIP-priced | −0.45% | 2026-10-23T01:40:33.000Z | [Snapshot 583](https://apyledger.com/snapshots/583) |
| Certificate of Deposit (CD) | standard | 84 months | $1,000 | 4.60% | Not ZIP-priced | −0.49% | 2026-10-23T01:40:33.000Z | [Snapshot 583](https://apyledger.com/snapshots/583) |
| Certificate of Deposit (CD) | standard | 96 months | $1,000 | 4.60% | Not ZIP-priced | −0.53% | 2026-10-23T01:40:33.000Z | [Snapshot 583](https://apyledger.com/snapshots/583) |
| Certificate of Deposit (CD) | standard | 108 months | $1,000 | 4.60% | Not ZIP-priced | −0.56% | 2026-10-23T01:40:33.000Z | [Snapshot 583](https://apyledger.com/snapshots/583) |
| Certificate of Deposit (CD) | standard | 120 months | $1,000 | 4.75% | Not ZIP-priced | −0.45% | 2026-10-23T01:40:33.000Z | [Snapshot 583](https://apyledger.com/snapshots/583) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.