Rates updated October 12, 2026 · 71 banks tracked

First National Bank of America CD rates: 4.50% APY best term

Q: Is First National Bank of America's CD rate good?

First National Bank of America's best CD rate of 4.50% ranks in the top 10th percentile of the 71 banks SwitchWize tracks CD rates for. The best available CD rate tracked is 4.83%; the FDIC national savings average is 0.38%.

Q: Which banks pay more than First National Bank of America on CDs?

Higher-paying tracked options include merrick (4.65%), barclays (4.75%), and bread (4.75%).

First National Bank of America’s best tracked CD pays 4.50% across 7 terms — ranking in the top 10th percentile of the 71 banks SwitchWize tracks CD rates for, where the best available rate is 4.83%. (Updated October 12, 2026.)

First National Bank of America CD rates by term

Term	APY
3 months	3.85%
6 months	4.00%
1 year	4.30%
18 months	4.30%
2 years	4.30%
3 years	4.45%
5 years	4.50%Best

Is First National Bank of America a good CD rate? Not really. At 4.50% its best CD trails the 4.83% best available tracked rate, leaving about $83 a year on the table on a $25,000 deposit.

The gap, in your dollars

At 4.50%, $25,000 earns $1,125/yr here versus $1,208/yr at the field leader — a $83/yr difference.

See your exact number →

Higher-paying CD alternatives we track

merrickView rates →barclaysView rates →breadView rates →

Rates subject to change. Verify before opening a CD.

Is it safe to switch? Any FDIC-insured bank carries the same federal deposit protection — the same coverage big banks carry. Verify First National Bank of America and alternatives →

Frequently asked questions

What is First National Bank of America's best CD rate?▾

First National Bank of America's best tracked CD rate is 4.50% APY as of October 12, 2026, across 7 terms SwitchWize tracks for this bank.

Is First National Bank of America's CD rate good?▾

First National Bank of America's best CD rate ranks in the top 10th percentile of tracked banks. The best available tracked rate is 4.83% and the FDIC national savings average is 0.38%.

Which banks pay more than First National Bank of America on CDs?▾

Higher-paying tracked options include merrick, barclays, bread. Compare rates at /cds to find the best current option.

← First National Bank of America savings rate All tracked banks Compare CD rates

General information only. Rates change frequently; verify directly with the institution before making financial decisions. SwitchWize is not a bank and does not provide financial advice.