First National Bank of America CD rates 2025: High APYs and terms up to 10 years
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First National Bank of America CD rates 2025: High APYs and terms up to 10 years
The best certificates of deposit (CDs) are usually offered by online-only banks. It’s not often that a full-service bank can tango with digital financial institutions that offer some of the best returns in the business. First National Bank of America is one of the rare exceptions.
Still, there are some aspects to the bank that may make it less appealing for some situations. Let’s look at what you need to know about First National Bank of America CD rates.
Rates are current as of Nov. 10, 2025 and are subject to change.
SponsoredAdvertiser DisclosureAdvertiser DisclosureMany of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all account options available. *APY (Annual Percentage Yield). Rates / Annual Percentage Yield terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts, some of which have paid for a link to their website. Bank, thrift and credit unions are member FDIC or NCUA. Contact the financial institution for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.Compare Personal Finance Options for 2021 Select all products of interest and compare:Product DescriptionsProduct DescriptionsChecking A transactional account that allows for numerous withdrawals and unlimited deposits. Money can be accessed via checks, ATMs, or debit card among other methods. Savings A bank account that keeps your money safe and secure, while paying you interest. MMA A Money Market Account is an interest-bearing deposit account at a bank or credit union that pays interest based on current rates in the money markets. CD A Certificate of Deposit features historically higher APYs, guaranteed returns & FDIC insurance. CDs are offered in fixed terms w/penalties for early withdrawals. 401K A 401k is a retirement-savings account that allows an employee to divert a portion of their salary into long-term investments and provides special tax benefits. Brokerage An investment account used by investors to buy and sell stocks, bonds, and mutual funds. Income from investments are taxed as capital gains. REIT A Real Estate Investment Trust owns and operates income-generating real estate. REITs allow investment in real estate without the need to own, operate, or finance properties. Robo Advisor A robo-advisor is an automated investing service that uses algorithms to provide financial advice and/or investment management help you manage your investment portfolio. Relatively inexpensive compared to a human financial advisor. Roth IRA An individual retirement account allows after-tax contributions of earned income below a certain level. Investment growth and future withdrawals are tax free. Traditional IRA An individual retirement account where you contribute pre-or after-tax dollars. Investment growth is tax-deferred until withdrawal. Financial Advisor Financial advisors help people manage their money and reach their financial goals. Annuity A financial contract with an insurance company where you make the investor makes a lump-sum payment or series of payments in exchange for regular disbursements in the future. Cash Management A cash account typically offered by nonbank financial institutions. CMAs combine features from traditional checking and savings accounts. Business Checking A business checking account is similar to a personal checking account, but allows you to separate your business and personal expenses. This can help you keep records organized and simplify your taxes. Checking AccountsSavings AccountsCertificates of DepositRetirement AccountsReal Estate InvestmentInvestment AccountsAnnuityVIEW AllBusiness CheckingVIEW LESSPlease select one or more products to compare6 ResultsProduct Descriptions
Public : BrokerageDisclosureDisclosure*Terms and Conditions apply.**This yield is the average, annualized yield to worst (YTW) across all ten bonds in the Bond Account, before fees, as of 1/7/25. Because the YTW of each bond is a function of that bond’s market price, which can fluctuate, your yield at time of purchase may be different from the yield shown here and your YTW is not “locked in” until the time of purchase. A bond’s YTW is not guaranteed; you can earn less than that YTW if you do not hold the bonds to maturity or the issuer defaults.***Rate as of 1/7/25. APY is variable and subject to changeAll investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1890144), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC. A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. The 7% yield is the average, annualized yield to worst (YTW) across all ten bonds in the Bond Account, before fees, as of 1/7/25. A bond’s yield is a function of its market price, which can fluctuate; therefore a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See Bond Account Disclosures to learn more. VIEW DETAILS on Public's website BonusEarn up to $10,000*Account Minimum$0Commission$0 on US listed stocks & ETFsDisclosureDisclosure*Terms and Conditions apply.**This yield is the average, annualized yield to worst (YTW) across all ten bonds in the Bond Account, before fees, as of 1/7/25. Because the YTW of each bond is a function of that bond’s market price, which can fluctuate, your yield at time of purchase may be different from the yield shown here and your YTW is not “locked in” until the time of purchase. A bond’s YTW is not guaranteed; you can earn less than that YTW if you do not hold the bonds to maturity or the issuer defaults.***Rate as of 1/7/25. APY is variable and subject to changeAll investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1890144), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC. A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. The 7% yield is the average, annualized yield to worst (YTW) across all ten bonds in the Bond Account, before fees, as of 1/7/25. A bond’s yield is a function of its market price, which can fluctuate; therefore a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See Bond Account Disclosures to learn more. VIEW DETAILS on Public's website Additional Features
Invest in stocks, bonds, options, ETFs, crypto and more
Receive rebates on stock & ETF options contracts
Lock in a 7% yield with a Bond Account**
Member of FINRA, US-based company
Earn 4.1%*** APY on your cash with a high-yield cash account
Earn up to $10,000 when you transfer your portfolio to Public*
Additional Features
Invest in stocks, bonds, options, ETFs, crypto and more
Receive rebates on stock & ETF options contracts
Lock in a 7% yield with a Bond Account**
Member of FINRA, US-based company
Earn 4.1%*** APY on your cash with a high-yield cash account
Earn up to $10,000 when you transfer your portfolio to Public*
Moomoo : Investment AccountDisclosureDisclosure 1. The deposit bonus is available only to clients who have never made a deposit or transfer before 5/29/2025. Offer is only valid for US residents with a valid SSN who are at least 18 years old. After receiving the free stocks, you will need to maintain your average assets based on the requirements for 60 days to unlock the stocks. Additional terms and conditions apply, learn more at https://www.moomoo.com/us/support/topic4_410. Get up to $1,000 in NVDA stocks with the qualifying deposit amount:
Deposit $100, get $20 in NVDA stock + 8.1% APY on uninvested cash
Deposit $2,000, get $50 in NVDA stock + 8.1% APY on uninvested cash
Deposit $2,000, get $50 in NVDA stock + 8.1% APY on uninvested cash
Deposit $50,000, get $1,000 in NVDA stock + 8.1% APY on uninvested cash
2. Level 2 data (NYSE ArcaBank) is free for Moomoo Financial Inc. accounts with a minimum 30-day average account value of $100+. Other conditions apply, to learn more, visit moomoo.com/us/support/topic3_435VIEW DETAILS on Moomoo's website Sign Up Bonus8.1% APY on uninvested cash and get up to $1,000 in NVDA stock1Account Minimum$100Best ForUser-Friendly Tools, Data, and InsightsDisclosureDisclosure 1. The deposit bonus is available only to clients who have never made a deposit or transfer before 5/29/2025. Offer is only valid for US residents with a valid SSN who are at least 18 years old. After receiving the free stocks, you will need to maintain your average assets based on the requirements for 60 days to unlock the stocks. Additional terms and conditions apply, learn more at https://www.moomoo.com/us/support/topic4_410. Get up to $1,000 in NVDA stocks with the qualifying deposit amount:
Deposit $100, get $20 in NVDA stock + 8.1% APY on uninvested cash
Deposit $2,000, get $50 in NVDA stock + 8.1% APY on uninvested cash
Deposit $2,000, get $50 in NVDA stock + 8.1% APY on uninvested cash
Deposit $50,000, get $1,000 in NVDA stock + 8.1% APY on uninvested cash
2. Level 2 data (NYSE ArcaBank) is free for Moomoo Financial Inc. accounts with a minimum 30-day average account value of $100+. Other conditions apply, to learn more, visit moomoo.com/us/support/topic3_435VIEW DETAILS on Moomoo's website Additional Features
$0 commission options trading
13 options strategies
Trade seamlessly on mobile and desktop
Supports crypto trading
Free real time level 2 data for funded accounts2
Additional Features
$0 commission options trading
13 options strategies
Trade seamlessly on mobile and desktop
Supports crypto trading
Free real time level 2 data for funded accounts2
YieldStreet : Alternative InvestmentVIEW DETAILS on YieldStreet's website Minimum Investment$2500Investment Term3 mons- 8 yrsBest ForAlternative InvestmentsVIEW DETAILS on YieldStreet's website Additional Features
Innovative income-generating products with typically low stock market correlation
Invest in assets backed by collateral
Short term investments - 3 months to 8 years
Strict risk management for your capital is at the heart of what we do
Access diversification strategies used by many institutional investors
Additional Features
Innovative income-generating products with typically low stock market correlation
Invest in assets backed by collateral
Short term investments - 3 months to 8 years
Strict risk management for your capital is at the heart of what we do
Access diversification strategies used by many institutional investors
Robinhood : BrokerageDisclosureDisclosure
This advertisement contains information and materials provided by Robinhood Financial LLC, Robinhood Securities LLC and its affiliates ("Robinhood") and Publisher, a third party not affiliated with Robinhood. All investments involve risk and the past performance of a security, or financial product does not guarantee future results or returns. Securities offered through Robinhood Financial LLC, a member of FINRA and SIPC and a wholly-owned subsidiary of Robinhood Markets, Inc. Cryptocurrency trading offered through Robinhood Crypto LLC. Robinhood Crypto and Publisher are not a members of FINRA or SIPC and cryptocurrencies are not stocks and your cryptocurrency investments are not protected by either FDIC or SIPC insurance.
VIEW DETAILS on Robinhood's website Sign Up Bonus1 Free StockAccount MinimumNoneCommission FeesNoneDisclosureDisclosure
This advertisement contains information and materials provided by Robinhood Financial LLC, Robinhood Securities LLC and its affiliates ("Robinhood") and Publisher, a third party not affiliated with Robinhood. All investments involve risk and the past performance of a security, or financial product does not guarantee future results or returns. Securities offered through Robinhood Financial LLC, a member of FINRA and SIPC and a wholly-owned subsidiary of Robinhood Markets, Inc. Cryptocurrency trading offered through Robinhood Crypto LLC. Robinhood Crypto and Publisher are not a members of FINRA or SIPC and cryptocurrencies are not stocks and your cryptocurrency investments are not protected by either FDIC or SIPC insurance.
VIEW DETAILS on Robinhood's website Additional Features
Trade stocks and ETFs 24 hours a day, 5 days a week
1 Free stock after linking your bank account ($5 - $200 value)
Low brokerage margin rates starting at 5.50%
$0 commission on stocks & ETFs
Buy, sell and store popular cryptocurrencies
Easily transfer accounts, including deposits and brokerage
Additional Features
Trade stocks and ETFs 24 hours a day, 5 days a week
1 Free stock after linking your bank account ($5 - $200 value)
Low brokerage margin rates starting at 5.50%
$0 commission on stocks & ETFs
Buy, sell and store popular cryptocurrencies
Easily transfer accounts, including deposits and brokerage
Datalign Advisory : Financial AdvisorVIEW DETAILS on Datalign Advisory's website FeesAdvisor fees may varyMinimum Investment$0Best ForFinding Vetted Financial AdvisorsVIEW DETAILS on Datalign Advisory's website Additional Features
Connect with an advisor based on your preferences and financial profile
Nationwide coverage, with in-person and remote advisory available
Both asset-based and fee-based advisors available
Additional Features
Connect with an advisor based on your preferences and financial profile
Nationwide coverage, with in-person and remote advisory available
Both asset-based and fee-based advisors available
Zoe Financial : Financial AdvisorVIEW DETAILS on Zoe Financial's website FeesAdvisor fees may varyMinimum Investment$0Best ForFinding Vetted Financial AdvisorsVIEW DETAILS on Zoe Financial's website Additional Features
Match with fiduciary financial advisors tailored to your needs.
Plan your financial future with a trusted financial advisor.
Find a fiduciary advisor who puts your interests first.
Compare advisors near you—it's fast, easy, and free!
Find your personalized advisor matches in just a few clicks.
Connect with advisors who specialize in retirement, investments, and more.
Additional Features
Match with fiduciary financial advisors tailored to your needs.
Plan your financial future with a trusted financial advisor.
Find a fiduciary advisor who puts your interests first.
Compare advisors near you—it's fast, easy, and free!
Find your personalized advisor matches in just a few clicks.
Connect with advisors who specialize in retirement, investments, and more.
First National Bank of America CD rates and products
First National Bank of America keeps its CDs vanilla, issuing basic (but extremely lucrative) standard CDs and IRA CDs. You won’t find more specialty options like no-penalty, bump-up, or business CDs.
In total, First National Bank of America offers a total of 13 term lengths to choose from. You’ll be subject to a minimum deposit of $1,000, no matter which account type you open. Just note that rates may vary if you deposit more than $1 million.
Standard CDs
With an abundance of term lengths from three months to 10 years, it’s possible to construct a lucrative CD ladder with First National Bank of America’s standard CDs.
First National Bank of America standard CD features
Minimum opening deposit
$1,000
Early withdrawal penalty
– For terms of 1 to 11 months: 90 days of interest – For terms of 12 to 23 months: 180 days of interest – For terms of 24 to 47 months: 360 days of interest – For terms of 60 to 84 months: 540 days of interest – For terms of 96 to 120 months: 720 days of interest
Additional deposits allowed
No
Automatic renewal
Yes, to the same term
Grace period
10 days
First National Bank of America standard CD rates
Term length
APY
3 months
4.00%
6 months
4.00%
12 months
3.95%
18 months
3.81%
24 months
3.70%
36 months
3.65%
48 months
3.65%
60 months
3.75%
72 months
3.90%
84 months
3.90%
96 months
3.90%
108 months
3.90%
120 months
3.90%
3 months
APY
4.00%
6 months
APY
4.00%
12 months
APY
3.95%
18 months
APY
3.81%
24 months
APY
3.70%
36 months
APY
3.65%
48 months
APY
3.65%
60 months
APY
3.75%
72 months
APY
3.90%
84 months
APY
3.90%
96 months
APY
3.90%
108 months
APY
3.90%
120 months
APY
3.90%
Bank details checked Nov. 10, 2025
IRA CDs
First National Bank of America offers IRA CDs that offer identical return rates for identical term lengths, compared to many of the standard CDs. However, First National’s IRA CDs start at 12 months (three- and six-month terms are for standard rates only).
Importantly, IRA CDs cannot be opened online. You must open your account in-person at a branch location, of which there are only three—all located in Michigan.
First National Bank of America IRA CD features
Minimum opening deposit
$1,000
Early withdrawal penalty
– For terms of 1 to 11 months: 90 days of interest – For terms of 12 to 23 months: 180 days of interest – For terms of 24 to 47 months: 360 days of interest – For terms of 60 to 84 months: 540 days of interest – For terms of 96 to 120 months: 720 days of interest
Additional deposits allowed
No
Automatic renewal
Yes, to the same term
Grace period
10 days
First National Bank of America IRA CD rates
Term length
APY
12 months
3.95%
18 months
3.81%
24 months
3.70%
36 months
3.65%
48 months
3.65%
60 months
3.75%
72 months
3.90%
84 months
3.90%
96 months
3.90%
108 months
3.90%
120 months
3.90%
12 months
APY
3.95%
18 months
APY
3.81%
24 months
APY
3.70%
36 months
APY
3.65%
48 months
APY
3.65%
60 months
APY
3.75%
72 months
APY
3.90%
84 months
APY
3.90%
96 months
APY
3.90%
108 months
APY
3.90%
120 months
APY
3.90%
Bank details checked Nov. 10, 2025
ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered by
Best CD Rates for December 12, 2025
ZIP Code Deposit Amount $Min. Term Length 6 months
1 months
6 months
1 year
18 months
2 years
3 years
Max. Term Length 3 years
6 months
1 year
18 months
2 years
3 years
4 years
5 years
6 years
FEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...
4.25 %
December 12, 2025
2yr$ 1000$ 1063
Over 1 Year
2 years cd AccountUnited Fidelity BankMember FDIC
QUICK LOOK
4.20 %
December 9, 2025
6mo$ 1000$ 1050
Over 1 Year
6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILS
QUICK LOOK Limelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.
READ BANK REVIEW
4.15 %
December 12, 2025
18mo$ 1000$ 1038
Over 1 Year
18 months cd AccountUnited Fidelity BankMember FDIC
QUICK LOOK
1
2
3
4
5
...
164
Compare First National Bank of America to competitors
First National Bank of America CDs are excellent—but it’s possible to find higher APYs for specific terms. Here’s a look at CD rates offered by competitors.
First National Bank of America
Capital One
Ivy Bank
3 months
3 months
3 months
4.00%
N/A
4.00%
6 months
6 months
6 months
4.00%
3.50%
3.75%
9 months
9 months
9 months
N/A
3.50%
N/A
12 months
12 months
12 months
3.95%
4.05%
3.75%
18 months
18 months
18 months
3.81%
3.70%
N/A
Learn more
Learn more
Learn more
View offer at MoneyLion
View offer at Bankrate
View offer at MoneyLion
Bank details checked Nov. 10, 2025
Learn more about First National Bank of America
Established as the First National Bank of Lansing in 1955, First National Bank of America is a full-service bank that offers everything from checking and high-yield savings accounts to money market accounts and home loans. It also offers many of the same accounts dedicated to business owners.
However, not all accounts can be opened online—and First National Bank of America only has three branches, all located in Michigan. If you don’t live near a physical location, before you decide to migrate your banking over to First National Bank of America, make sure it can offer you everything you need from wherever you live.
Frequently asked questions
What CD terms does First National Bank of America offer?
First National Bank of America offers 13 term lengths: 3, 6, 12, 18, 24, 36, 48, 60, 72, 84, 96, 108, and 120 months.
What are the early withdrawal penalties for First National Bank of America CDs?
The early withdrawal penalty you’ll pay for withdrawing a First National Bank of America CDs before maturity depends on the term length. You’ll pay between 90 and 720 days of interest.
What happens when my First National Bank of America CD matures?
When your First National Bank of America CD matures, you have a 10-day grace period to withdraw your money or put your money into a different CD. Otherwise, your account will renew automatically.
Are First National Bank of America CDs FDIC insured?
Yes, First National Bank of America CDs are FDIC insured up to $250,000 per account holder per account ownership category.
What is the minimum deposit required for a CD at First National Bank of America?
The minimum deposit required for a CD at First National Bank of America is $1,000.
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