Rate checked November 8, 2026 (today)
First National Bank of America 3-year CD rate: 4.50% APY
First National Bank of America's 3-year CD pays 4.50% APY. That ranks 10th of the 67 banks we track for this term. The best is 4.90% at Merrick Bank.
- APY
- 4.50%
- Last change
- Up 0.05 pts
- Oct 14, 2026
- Last checked
- today
- Nov 8, 2026
What it earns on $25,000
At 4.50%, $25,000 earns about $1,125 in the first year.
The best 3-year CD earns about $1,225 on the same money. Choosing First National Bank of America instead gives up about $100 a year.
The middle 3-year rate across 67 banks is 3.25%. Figures are first-year interest at the quoted APY, before taxes.
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First National Bank of America 3-year CD rate over time
- All-time high
- 4.50%Oct 14, 2026
- All-time low
- 4.00%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 3-year CD rate history
This rate has changed 3 times since we began tracking it on August 4, 2026.
| Date | APY | Change |
|---|---|---|
| October 14, 2026 | 4.50% | +0.05 pts |
| October 5, 2026 | 4.45% | +0.15 pts |
| September 22, 2026 | 4.30% | +0.30 pts |
| August 4, 2026 | 4.00% | First tracked |
Banks that pay more for a 3-year CD
- Merrick Bank4.90%
- Quorum Federal Credit Union4.90%
- BTG Pactual Bank4.85%
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 3-year CD rate?
First National Bank of America pays 4.50% APY on its 3-year CD, based on its own rate page when we last checked. That earns about $1,125 a year on $25,000.
Is First National Bank of America's 3-year CD rate good?
It ranks 10th of the 67 banks we track for this term. The best rate for this term is 4.90% at Merrick Bank, and the middle rate is 3.25%. Choosing First National Bank of America over the best costs about $100 a year on $25,000.
Which banks pay more than First National Bank of America on a 3-year CD?
Merrick Bank (4.90%), Quorum Federal Credit Union (4.90%), BTG Pactual Bank (4.85%).
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