# First National Bank Texas CD rates

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.

Canonical page: https://apyledger.com/cd-rates/first-national-bank-texas
Institution: First National Bank Texas (FDIC 3285)
Aliases: 
Status: live
Last verified: 2026-10-23T12:36:03.000Z (October 23, 2026)
Official source: https://www.1stnb.com/cds
Coverage: 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.
Treasury comparison date: 2026-10-22. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 6 Month Fixed Rate CD | standard | 6 months | $50,000 | 2.00% | Not ZIP-priced | −2.34% | 2026-10-23T12:36:03.000Z | [Snapshot 1032](https://apyledger.com/snapshots/1032) |
| 6 Month Fixed Rate CD | standard | 6 months | $500 | 1.85% | Not ZIP-priced | −2.49% | 2026-10-23T12:36:03.000Z | [Snapshot 1032](https://apyledger.com/snapshots/1032) |
| 8 Month Fixed Rate CD | promotional | 8 months | $50,000 | 4.25% | Not ZIP-priced | −0.13% | 2026-10-23T12:36:03.000Z | [Snapshot 1032](https://apyledger.com/snapshots/1032) |
| 8 Month Fixed Rate CD | promotional | 8 months | $100,000 | 4.25% | Not ZIP-priced | −0.13% | 2026-10-23T12:36:03.000Z | [Snapshot 1032](https://apyledger.com/snapshots/1032) |
| 8 Month Fixed Rate CD | promotional | 8 months | $500 | 3.75% | Not ZIP-priced | −0.63% | 2026-10-23T12:36:03.000Z | [Snapshot 1032](https://apyledger.com/snapshots/1032) |
| 1 Year Fixed Rate CD/IRA | standard | 12 months | $50,000 | 2.75% | Not ZIP-priced | −1.71% | 2026-10-23T12:36:03.000Z | [Snapshot 1032](https://apyledger.com/snapshots/1032) |
| 1 Year Fixed Rate CD/IRA | standard | 12 months | $500 | 2.25% | Not ZIP-priced | −2.21% | 2026-10-23T12:36:03.000Z | [Snapshot 1032](https://apyledger.com/snapshots/1032) |
| 13 Month Fixed Rate CD | standard | 13 months | $100,000 | 4.00% | Not ZIP-priced | −0.48% | 2026-10-23T12:36:03.000Z | [Snapshot 1032](https://apyledger.com/snapshots/1032) |
| 13 Month Fixed Rate CD | standard | 13 months | $50,000 | 3.75% | Not ZIP-priced | −0.73% | 2026-10-23T12:36:03.000Z | [Snapshot 1032](https://apyledger.com/snapshots/1032) |
| 13 Month Fixed Rate CD | standard | 13 months | $10,000 | 3.25% | Not ZIP-priced | −1.23% | 2026-10-23T12:36:03.000Z | [Snapshot 1032](https://apyledger.com/snapshots/1032) |
| 2 Year Fixed Rate CD/IRA | standard | 24 months | $50,000 | 2.02% | Not ZIP-priced | −2.68% | 2026-10-23T12:36:03.000Z | [Snapshot 1032](https://apyledger.com/snapshots/1032) |
| 2 Year Fixed Rate CD/IRA | standard | 24 months | $500 | 1.81% | Not ZIP-priced | −2.89% | 2026-10-23T12:36:03.000Z | [Snapshot 1032](https://apyledger.com/snapshots/1032) |
| 5 Year Fixed Rate CD/IRA | standard | 60 months | $50,000 | 1.76% | Not ZIP-priced | −3.08% | 2026-10-23T12:36:03.000Z | [Snapshot 1032](https://apyledger.com/snapshots/1032) |
| 5 Year Fixed Rate CD/IRA | standard | 60 months | $500 | 1.66% | Not ZIP-priced | −3.18% | 2026-10-23T12:36:03.000Z | [Snapshot 1032](https://apyledger.com/snapshots/1032) |

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.