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First National Bank of America (FNBA) offers fixed-rate CDs from 3 months to 10 years, with listed APYs of 3.85% to 4.65% and a $1,000 minimum to obtain those rates. The strongest reason to consider one is the broad choice of maturities; the main drawback is limited access to your money, with early-withdrawal penalties that can reduce principal. The rates below are those FNBA marked accurate October 6, 2026, and can change without notice.
FNBA CD rates and terms
FNBA sets the rate at account opening and keeps it fixed for the term. The bank’s rate page lists the following APYs, each requiring a $1,000 minimum balance. APY assumes principal and interest remain on deposit until maturity; fees could reduce earnings. Deposits over $1 million require a call for rates. The same listed rates are available on HSA, Roth, and Traditional IRA CDs. FNBA rate page
| Term | APY |
|---|---|
| 3 months | 3.85% |
| 6 months | 4.00% |
| 9-month special | 4.35% |
| 12 months | 4.30% |
| 18 months | 4.30% |
| 24 months | 4.30% |
| 36 months | 4.45% |
| 48 months | 4.45% |
| 60 months | 4.50% |
| 72 months | 4.50% |
| 84 months | 4.55% |
| 96 months | 4.55% |
| 108 months | 4.55% |
| 120 months | 4.65% |
These figures are not guaranteed beyond the date FNBA identifies: the bank says rates may change without notice. Check the rate for your chosen term on the application date rather than assuming the table remains available.
What opening and managing an FNBA CD involves
- Funding: Online deposits are funded by ACH from a checking or savings account. FNBA says it cannot accept an ACH transfer from a brokerage account, annuity, or another CD.
- Interest: Interest compounds quarterly by default and is added to the certificate. After opening, you may request interest by check or direct deposit.
- Fees and access: FNBA says CDs have no monthly fee. External withdrawals may take up to ten business days.
- Channel: Online and in-branch CDs have the same rates. FNBA’s FAQ describes online account opening; CNBC Select reported on August 27, 2026, that the Michigan-based bank had branches in East Lansing, Grand Rapids, and Traverse City. That branch information is dated third-party reporting, not a live branch-locator check. CNBC Select review
Early-withdrawal penalties and liquidity
FNBA permits partial withdrawals, but says the penalty may reduce principal. Its FAQ gives this schedule:
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| CD term | Penalty stated by FNBA |
|---|---|
| 1–11 months | 90 days of interest |
| 12–23 months | 180 days of interest |
| 24–47 months | 360 days of interest |
| 48–84 months | 540 days of interest |
| 96–120 months | 720 days of interest |
The current product menu has no terms from 85 to 95 months, which is why the penalty schedule skips that span. Review the disclosure for the specific term before opening; FNBA’s disclosure index includes individual term disclosures and a certificate account agreement. FNBA account disclosures
Bankrate says FNBA does not offer no-penalty or bump-up CDs and describes its longer-term penalties as steep. If access to funds or the possibility of rising rates matters, a fixed CD with this penalty schedule may be a poor match. Bankrate CD review
Maturity, renewal, and the grace period
FNBA says it mails a maturity notice approximately 30 days before the CD matures. If you take no action, the account automatically renews for the same term at the rate then offered. The other choices described by the bank are selecting a new term, withdrawing part and renewing the remainder, or withdrawing all funds.
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Deposit insurance and how to compare FNBA
FNBA says it is an FDIC member and deposits are insured up to $250,000 per account holder, per ownership category. This is not a separate $250,000 allowance for every CD: include your other FNBA deposits in the applicable ownership category when assessing coverage. FNBA Online CD FAQ
Before opening, compare the exact term and its rate with the factors below, rather than selecting a CD solely because its APY is the highest on the page:
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- Large Capacity: Siveit CD case can store 40 CDs/DVDs and keep them well organized, saving you more space. With 15 color choices, you can choose the color you like and store CDs into several categories by color.
- Strong & Durable: Siveit CD/DVD case is made of hard durable plastic, PP film with non-woven fabric material. It can store your CDs/DVDs for a long time and protect damage from dust, moisture, and scratches.
- High Quality: To effectively protect CD and DVD discs, we tested PP films and non-woven fabrics of different thicknesses and chose the most suitable thickness to ensure long-term use without scratching the disc. The zipper is smooth and easy to use, it can be easily closed after 40 CDs are filled.
- Easy to Use: Each slot has a slide lock to prevent your CDs/DVDs from sliding out. We removed the redundant T-shaped edge material in the slot so you can store cs/dvd directly. Note: T-shaped edge materials are removed manually. Please understand if there are some individual materials.
- Service Guarantee: A high-quality product is often reflected in every detail of the product, and an excellent business is often reflected in customer service. If you are not satisfied with the product, please contact us for a refund.
- APY available for your intended maturity and the minimum balance needed to obtain it.
- Early-withdrawal penalty, including whether it can reduce principal.
- Whether you need a no-penalty or rate-bump feature.
- Maturity notice, grace-period options, and the default renewal behavior.
- Your total deposits at the bank within the relevant FDIC ownership category.
Who FNBA CDs may suit
FNBA is worth considering if you want a wide range of fixed-rate maturities, can meet the $1,000 minimum, and expect to leave the money untouched until maturity. It is less suitable if you may need early access, want the option to raise your rate during the term, or could miss the maturity window and be uncomfortable with automatic renewal. Bankrate gave FNBA’s CDs an editorial score of 4.3 out of 5; that is a product rating, not a customer-satisfaction survey result. Bankrate CD review
Quick Recap
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