Rate checked November 8, 2026 (today)

First National Bank of America 12-month CD rate: 4.45% APY

First National Bank of America's 12-month CD pays 4.45% APY. That ranks 17th of the 69 banks we track for this term. The best is 4.80% at EagleBank.

APY: 4.45%
Last change: Up 0.15 pts; Oct 14, 2026
Last checked: today; Nov 8, 2026

What it earns on $25,000

At 4.45%, $25,000 earns about $1,113 in the first year.

The best 12-month CD earns about $1,200 on the same money. Choosing First National Bank of America instead gives up about $87 a year.

The middle 12-month rate across 69 banks is 4.05%. Figures are first-year interest at the quoted APY, before taxes.

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First National Bank of America 12-month CD rate over time

All-time high: 4.45%Oct 14, 2026
All-time low: 3.95%Aug 4, 2026
Changes: 3
Tracked since: Aug 4, 2026

High and low cover the history we hold (the last two years at most), not the whole life of the account.

First National Bank of America 12-month CD rate history

This rate has changed 3 times since we began tracking it on August 4, 2026.

Date	APY	Change
October 14, 2026	4.45%	+0.15 pts
September 22, 2026	4.30%	+0.30 pts
August 18, 2026	4.00%	+0.05 pts
August 4, 2026	3.95%	First tracked

Banks that pay more for a 12-month CD

First National Bank of America CD rates for other terms

3-month3.85%
6-month4.00%
18-month4.40%
2-year4.40%
3-year4.50%
4-year4.50%
5-year4.60%
7-year4.60%
10-year4.75%

Other First National Bank of America rates

First National Bank of America savings rate4.20%

Questions

What is First National Bank of America's 12-month CD rate?

First National Bank of America pays 4.45% APY on its 12-month CD, based on its own rate page when we last checked. That earns about $1,113 a year on $25,000.

Is First National Bank of America's 12-month CD rate good?

It ranks 17th of the 69 banks we track for this term. The best rate for this term is 4.80% at EagleBank, and the middle rate is 4.05%. Choosing First National Bank of America over the best costs about $87 a year on $25,000.

Which banks pay more than First National Bank of America on a 12-month CD?

EagleBank (4.80%), BTG Pactual Bank (4.65%), CFG Bank (4.65%).

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General information only. Rates change often; confirm the rate, minimum deposit and early withdrawal penalty with the bank before you open a CD. SwitchWize is not a bank and does not give financial advice.