First National Bank Texas CD Rates — October 2026
As of October 23, 2026, First National Bank Texas's highest tracked CD rate is 4.25% APY on an 8-month promotional CD ($50,000 minimum). That is 3.1 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 1.66% to 4.00% APY.
Tracking began .
With $10,000 and no relationship requirement: 3.75% on 8 months
First National Bank Texas CD rates
Fixed-rate personal CDs from 6 to 60 months with a $500 minimum and separately quoted $50,000 and $100,000 tiers. The 8- and 13-month Special Rate CDs ($10,000 minimum for 13 months) are limited-time promotions subject to change; they renew into 6- and 12-month CDs at the rate then offered. Several tiers open only in a branch. A withdrawal or fee will reduce earnings.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 6 months | 6 Month Fixed Rate CD | $50,000 | 2.00%Free rate alert | −2.34% | Top 81% of tracked 6-month CDs · Verified October 23, 2026 |
| 6 months | 6 Month Fixed Rate CD | $500 | 1.85%Free rate alert | −2.49% | Top 82% of tracked 6-month CDs · Verified October 23, 2026 |
| 8 months | 8 Month Fixed Rate CD Promotional | $50,000same APY in 2 balance tiers | 4.25%Free rate alert | −0.13% | Verified October 23, 2026 |
| 8 months | 8 Month Fixed Rate CD Promotional | $500 | 3.75%Free rate alert | −0.63% | Verified October 23, 2026 |
| 12 months | 1 Year Fixed Rate CD/IRA | $50,000 | 2.75%Free rate alert | −1.71% | Top 76% of tracked 12-month CDs · Verified October 23, 2026 |
| 12 months | 1 Year Fixed Rate CD/IRA | $500 | 2.25%Free rate alert | −2.21% | Top 81% of tracked 12-month CDs · Verified October 23, 2026 |
| 13 months | 13 Month Fixed Rate CD | $100,000 | 4.00%Free rate alert | −0.48% | Verified October 23, 2026 |
| 13 months | 13 Month Fixed Rate CD | $50,000 | 3.75%Free rate alert | −0.73% | Verified October 23, 2026 |
| 13 months | 13 Month Fixed Rate CD | $10,000 | 3.25%Free rate alert | −1.23% | Verified October 23, 2026 |
| 24 months | 2 Year Fixed Rate CD/IRA | $50,000 | 2.02%Free rate alert | −2.68% | Top 79% of tracked 24-month CDs · Verified October 23, 2026 |
| 24 months | 2 Year Fixed Rate CD/IRA | $500 | 1.81%Free rate alert | −2.89% | Top 83% of tracked 24-month CDs · Verified October 23, 2026 |
| 60 months | 5 Year Fixed Rate CD/IRA | $50,000 | 1.76%Free rate alert | −3.08% | Top 82% of tracked 60-month CDs · Verified October 23, 2026 |
| 60 months | 5 Year Fixed Rate CD/IRA | $500 | 1.66%Free rate alert | −3.18% | Top 83% of tracked 60-month CDs · Verified October 23, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-22 (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 4.25% APY (8 months). The standard rate for a similar term is 2.00% APY (6 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $225 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 Texas's best CD rates by term?
First National Bank Texas's best rate is 4.25% APY on 8 months, verified October 23, 2026.
- 6 mo2.00%
- 8 mo4.25%
- 12 mo2.75%
- 13 mo4.00%
- 24 mo2.02%
- 60 mo1.76%
How much interest could a First National Bank Texas 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.
$248.12 interest · $10,248.12 at maturity on $10,000.00.
3.75% APY · 8 months · 8 Month Fixed Rate CD · Promotional · verified October 23, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 6 months | $46.161.85% APY · 6 Month Fixed Rate CD · Standard | $92.331.85% APY · 6 Month Fixed Rate CD · Standard | $230.821.85% APY · 6 Month Fixed Rate CD · Standard | $498.892.00% APY · 6 Month Fixed Rate CD · Standard |
| 8 months | $124.063.75% APY · 8 Month Fixed Rate CD · Promotional | $248.123.75% APY · 8 Month Fixed Rate CD · Promotional | $620.303.75% APY · 8 Month Fixed Rate CD · Promotional | $1,404.864.25% APY · 8 Month Fixed Rate CD · Promotional |
| 12 months | $112.502.25% APY · 1 Year Fixed Rate CD/IRA · Standard | $225.002.25% APY · 1 Year Fixed Rate CD/IRA · Standard | $562.502.25% APY · 1 Year Fixed Rate CD/IRA · Standard | $1,375.002.75% APY · 1 Year Fixed Rate CD/IRA · Standard |
| 13 months | Not estimated | $352.183.25% APY · 13 Month Fixed Rate CD · Standard | $880.443.25% APY · 13 Month Fixed Rate CD · Standard | $2,032.203.75% APY · 13 Month Fixed Rate CD · Standard |
| 24 months | $182.641.81% APY · 2 Year Fixed Rate CD/IRA · Standard | $365.281.81% APY · 2 Year Fixed Rate CD/IRA · Standard | $913.191.81% APY · 2 Year Fixed Rate CD/IRA · Standard | $2,040.402.02% APY · 2 Year Fixed Rate CD/IRA · Standard |
| 60 months | $429.011.66% APY · 5 Year Fixed Rate CD/IRA · Standard | $858.021.66% APY · 5 Year Fixed Rate CD/IRA · Standard | $2,145.041.66% APY · 5 Year Fixed Rate CD/IRA · Standard | $4,557.631.76% APY · 5 Year Fixed Rate CD/IRA · Standard |
How First National Bank Texas compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 243-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 4 of 32 tracked institutions with fresh 243-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 Texas (this institution)8 Month Fixed Rate CD · Promotional | 8 months | $50,000 | Branches in AR, AZ, NM, TX | 4.25% | October 23, 2026 |
| Del Norte Credit UnionShare Certificate - $100,000+ Minimum Balance · Promotional | 8 months | $100,000 | Membership required · branches in NM | 4.45% | October 22, 2026 |
| Meriwest Credit Union8-Month Liquid Certificate · Standard | 8 months | $10,000 | Membership required · branches in CA, CO, TX, WA | 3.65% | October 22, 2026 |
| Alerus8 Month CD Special · Promotional | 8 months | Not stated | Branches in AZ, IA, MN, ND, WI | 3.62% | October 22, 2026 |
| Frankenmuth Credit Union (highest tracked APY for this term)Livestock CD Special · Special | 8 months | $500 | Membership required · branches in MI | 5.00% | October 22, 2026 |
| Treasury (APY-equivalent) | 8 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.38% | 2026-10-22 |
CD rate history
Tracking since October 2026. Each product, term, minimum deposit and location is tracked separately. Charts appear after 30 observed days per quote; missing days are not filled. Showing up to the latest year of observations.
Not enough daily observations yet. A chart will appear automatically once a quote has 30 observed days.
Rate changes
See changes across all tracked institutions
No changes since we started tracking First National Bank Texas on October 23, 2026.
About First National Bank Texas
- Legal name
- First National Bank Texas
- Regulator ID
- FDIC 3285
- Headquarters
- Killeen, TX
- Available in
- AR, AZ, NM, TX
- Total assets
- $4.6 billion
- Also known as
- Website
- www.1stnb.com
Source: rates read from https://www.1stnb.com/cds. See the page text we read.
Frequently asked questions
What is the highest CD rate at First National Bank Texas?
Among the rates we track, 4.25% APY on an 8-month promotional CD, as of October 23, 2026.
What is the minimum deposit for a First National Bank Texas CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $100,000.
How does First National Bank Texas's best CD rate compare with Treasury yields?
4.25% APY is −0.13% versus the 8-month Treasury yield of 4.38% (APY-equivalent) on 2026-10-22. Treasury interest is also exempt from state income tax.
Is 4.25% a good CD rate?
It is 3.1 times the FDIC national average for a similar term (1.39% 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 Texas CDs insured?
First National Bank Texas is an FDIC-insured bank (FDIC 3285). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check First National Bank Texas's rate page every day. The rates above were last verified on October 23, 2026.
More bank CD rates
Rates are copied from First National Bank Texas's website and may change at any time. Confirm terms, minimums and eligibility with First National Bank Texas before opening an account. This page is not financial advice.