Rate checked November 8, 2026 (today)
First National Bank of America 18-month CD rate: 4.40% APY
First National Bank of America's 18-month CD pays 4.40% APY. That ranks 12th of the 31 banks we track for this term. The best is 4.85% at Bread Savings.
- APY
- 4.40%
- Last change
- Up 0.10 pts
- Oct 14, 2026
- Last checked
- today
- Nov 8, 2026
What it earns on $25,000
At 4.40%, $25,000 earns about $1,100 in the first year.
The best 18-month CD earns about $1,212 on the same money. Choosing First National Bank of America instead gives up about $112 a year.
The middle 18-month rate across 31 banks is 4.35%. Figures are first-year interest at the quoted APY, before taxes.
We will email you once when First National Bank of America's 18-month CD rate moves by 0.05 points or more, up or down. No other emails.
One email per rate change. Unsubscribe in one click. We never share your address.
Pick your maturity date. We email you 14 days before it, with today's best rates, so you can move the money before First National Bank of America renews it. You will also get one email if this CD's rate changes.
First National Bank of America 18-month CD rate over time
- All-time high
- 4.40%Oct 14, 2026
- All-time low
- 3.80%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 18-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 | 4.40% | +0.10 pts |
| September 22, 2026 | 4.30% | +0.10 pts |
| August 18, 2026 | 4.20% | +0.40 pts |
| August 4, 2026 | 3.80% | First tracked |
Banks that pay more for a 18-month CD
- Bread Savings4.85%
- Merrick Bank4.85%
- Popular Direct4.80%
First National Bank of America CD rates for other terms
Other First National Bank of America rates
Questions
What is First National Bank of America's 18-month CD rate?
First National Bank of America pays 4.40% APY on its 18-month CD, based on its own rate page when we last checked. That earns about $1,100 a year on $25,000.
Is First National Bank of America's 18-month CD rate good?
It ranks 12th of the 31 banks we track for this term. The best rate for this term is 4.85% at Bread Savings, and the middle rate is 4.35%. Choosing First National Bank of America over the best costs about $112 a year on $25,000.
Which banks pay more than First National Bank of America on a 18-month CD?
Bread Savings (4.85%), Merrick Bank (4.85%), Popular Direct (4.80%).
The weekly top 5 rates
The best savings, money market, checking and CD rates once a week, plus the moves worth a look. Free, one-click unsubscribe, we never share your address.
Send me the weekly SwitchWize rate briefing: the biggest changes in savings, money market, checking and CD rates. Unsubscribe in one click. We never share your address.
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.