Rates updated August 27, 2026 · 70 banks tracked

First National Bank of America CD rates: 4.20% APY best term

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

First National Bank of America's best CD rate of 4.20% ranks in the top quartile of the 70 banks SwitchWize tracks CD rates for. The best available CD rate tracked is 4.47%; 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 third-federal (4.25%), america-first-fcu (4.30%), and cfg (4.30%).

First National Bank of America’s best tracked CD pays 4.20% across 7 terms — ranking in the top quartile of the 70 banks SwitchWize tracks CD rates for, where the best available rate is 4.47%. (Updated August 27, 2026.)

First National Bank of America CD rates by term

Term	APY
3 months	3.60%
6 months	3.85%
1 year	4.00%
18 months	4.20%Best
2 years	4.00%
3 years	4.00%
5 years	4.20%Best

Is First National Bank of America a good CD rate? Not really. At 4.20% its best CD trails the 4.47% best available tracked rate, leaving about $67 a year on the table on a $25,000 deposit.

The gap, in your dollars

At 4.20%, $25,000 earns $1,050/yr here versus $1,117/yr at the field leader — a $67/yr difference.

See your exact number →

Higher-paying CD alternatives we track

third federalView rates →america first fcuView rates →cfgView 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 4.20% APY as of August 27, 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 quartile of tracked banks. The best available tracked rate is 4.47% 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 third federal, america first fcu, cfg. 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.