What are the current interest rates at First National Bank of America (FNBA)?

Current rates for First National Bank of America (FNBA) include: 12-Month CD: 4.30%, 18-Month CD: 4.40%, 24-Month CD: 4.40%, 36-Month CD: 4.50%, 48-Month CD: 4.50%, 60-Month CD: 4.60%, Savings: 4.20%

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First National Bank of America (FNBA) Rates & Review November 2026

Q: What CD terms does First National Bank of America (FNBA) offer?

First National Bank of America (FNBA) CD rates are 4.30% APY for a 12 month CD, 4.40% APY for an 18 month CD, 4.40% APY for a 2 year CD, 4.50% APY for a 3 year CD, 4.50% APY for a 4 year CD and 4.60% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with First National Bank of America (FNBA) for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

First National Bank of America (FNBA)'s 60-Month CD rates are at 4.60%, Time CD - 60-Month rates are at 4.60%, 36-Month CD rates are at 4.50%, 48-Month CD rates are at 4.50%, Time CD - 36-Month rates are at 4.50%. First National Bank of America (FNBA)'s savings rates are at 4.20%. First National Bank of America (FNBA)'s checking rates are as high as 4.50%. First National Bank of America (FNBA)'s top CD rate of 4.60% APY on a 5 year CD is 57% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has a B- health rating. MonitorBankRates evaluates the financial stability of First National Bank of America (FNBA) with a 4.3 Star Rating, an B- Overall Health Grade, and a Texas Ratio of 23.12%. Rates last updated and verified on 11/05/2026.

First National Bank of America (FNBA) money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First National Bank of America (FNBA)? Share your experience about First National Bank of America (FNBA) by leaving a review below, or read customer reviews before you decide to use First National Bank of America (FNBA).

Overall Health & Safety Grade

B-

Adequate Health Score: 82/100

MonitorBankRates Rating

4.3

Excellent Out of 5.0 Stars

Texas Ratio

23.12%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

First National Bank of America

241 E Saginaw St
East Lansing, MI 48823

https://www.fnba.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

First National Bank of America (FNBA) CD Rates

Product	Rate	APY	Term
60-Month CD	4.52%	4.60%	60 Month
Min Balance $1,000 Details Requires $1,000 minimum balance to obtain the APY; APY assumes principal and interest remain on deposit until maturity Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 4.60% APY · checked 4 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Time CD - 60-Month	4.52%	4.60%	60 Month
Details East Lansing Rates Last Updated 11/05/2026 Rate History 1 change since Oct 7, 2026 · 4.50% → 4.60% ▲ 0.10 pts · high 4.60% / low 4.50% Oct 14, 20264.60%▲ from 4.50% Oct 7, 20264.50%first recorded Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
36-Month CD	4.43%	4.50%	36 Month
Min Balance $1,000 Details Requires $1,000 minimum balance to obtain the APY; APY assumes principal and interest remain on deposit until maturity Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 4.50% APY · checked 4 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
48-Month CD	4.43%	4.50%	48 Month
Min Balance $1,000 Details Requires $1,000 minimum balance to obtain the APY; APY assumes principal and interest remain on deposit until maturity Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 4.50% APY · checked 4 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Time CD - 36-Month	4.43%	4.50%	36 Month
Details East Lansing Rates Last Updated 11/05/2026 Rate History 1 change since Oct 7, 2026 · 4.45% → 4.50% ▲ 0.05 pts · high 4.50% / low 4.45% Oct 14, 20264.50%▲ from 4.45% Oct 7, 20264.45%first recorded Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Time CD - 48-Month	4.43%	4.50%	48 Month
Details East Lansing Rates Last Updated 11/05/2026 Rate History 1 change since Oct 7, 2026 · 4.45% → 4.50% ▲ 0.05 pts · high 4.50% / low 4.45% Oct 14, 20264.50%▲ from 4.45% Oct 7, 20264.45%first recorded Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
12-Month Special CD	4.38%	4.45%	12 Month
Min Balance $1,000 Details Requires $1,000 minimum balance to obtain the APY; APY assumes principal and interest remain on deposit until maturity Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 4.45% APY · checked 3 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Time CD - 12-Month Special	4.38%	4.45%	12 Month
Details East Lansing Rates Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 4.45% APY · checked 5 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
18-Month CD	4.33%	4.40%	18 Month
Min Balance $1,000 Details Requires $1,000 minimum balance to obtain the APY; APY assumes principal and interest remain on deposit until maturity Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 4.40% APY · checked 4 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
24-Month CD	4.33%	4.40%	24 Month
Min Balance $1,000 Details Requires $1,000 minimum balance to obtain the APY; APY assumes principal and interest remain on deposit until maturity Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 4.40% APY · checked 4 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Time CD - 18-Month	4.33%	4.40%	18 Month
Details East Lansing Rates Last Updated 11/05/2026 Rate History 1 change since Oct 7, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30% Oct 14, 20264.40%▲ from 4.30% Oct 7, 20264.30%first recorded Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Time CD - 24-Month	4.33%	4.40%	24 Month
Details East Lansing Rates Last Updated 11/05/2026 Rate History 1 change since Oct 7, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30% Oct 14, 20264.40%▲ from 4.30% Oct 7, 20264.30%first recorded Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
12-Month CD	4.23%	4.30%	12 Month
Min Balance $1,000 Details Requires $1,000 minimum balance to obtain the APY; APY assumes principal and interest remain on deposit until maturity Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 4.30% APY · checked 3 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Time CD - 12-Month	4.23%	4.30%	12 Month
Details East Lansing Rates Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 4.30% APY · checked 5 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
6-Month CD	3.94%	4.00%	6 Month
Min Balance $1,000 Details Requires $1,000 minimum balance to obtain the APY; APY assumes principal and interest remain on deposit until maturity Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 4.00% APY · checked 4 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Time CD - 6-Month	3.94%	4.00%	6 Month
Details East Lansing Rates Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 4.00% APY · checked 7 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
3-Month CD	3.80%	3.85%	3 Month
Min Balance $1,000 Details Requires $1,000 minimum balance to obtain the APY; APY assumes principal and interest remain on deposit until maturity Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.85% APY · checked 4 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Time CD - 3-Month	3.80%	3.85%	3 Month
Details East Lansing Rates Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 3.85% APY · checked 7 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%

First National Bank of America (FNBA) Savings Rates

Product	Rate	APY
High Yield Savings - Promotional	4.12%	4.20%
Details Balance: All Balances for first 6 months; Promotional rate for first 6 months Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.20% APY · checked 4 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High Yield Savings Account Promotion	4.12%	4.20%
Min Balance $0 Details Balance: All Balances for first 6 months; Promotional rate for first 6 months Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.20% APY · checked 4 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High Yield Savings - Promotional	3.79%	3.86%
Details Balance: Greater than $250,000; Promotional rate for first 6 months Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.86% APY · checked 4 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High Yield Savings Account Promotion	3.79%	3.86%
Min Balance $250,000 Details Balance: Greater than $250,000; Promotional rate for first 6 months Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.86% APY · checked 4 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High Yield Savings - Promotional	3.54%	3.60%
Details Balance: $250,000 or Less; Promotional rate for first 6 months Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.60% APY · checked 4 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High Yield Savings Account Promotion	3.54%	3.60%
Min Balance $0 Details Balance: $0.00 - $250,000.00; Promotional rate for first 6 months Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.60% APY · checked 4 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High Yield Health Savings Account (HYHSA)	-	3.51%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.01 and over; Tiered variable rate account Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.51% APY · checked 5 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High Yield Savings - Standard	3.45%	3.51%
Details Balance: Greater than $250,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.51% APY · checked 4 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High Yield Savings Account Promotion	3.45%	3.51%
Min Balance $250,000 Details Balance: Greater than $250,000; Standard rate Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.51% APY · checked 4 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High-Yield Health Savings	3.45%	3.51%
Min Balance $250,000 Details Balance: Greater than $250,000 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 3.51% APY · checked 6 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High-Yield HSA Savings	-	3.51%
Min Deposit $1,000 Details Up to 3.51% APY; Competitive earnings using Standard HYSA rates; Available to Michigan residents, accounts opened in person at East Lansing, Grand Rapids or Traverse City Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.51% APY · checked 9 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Platinum High Yield Savings	-	3.51%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.01 and over; Available to new FNBA customers Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 3.51% APY · checked 7 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Standard High Yield Savings	-	3.51%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.01 and over; Tiered variable-rate account Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 3.50% → 3.51% ▲ 0.01 pts · high 3.51% / low 3.50% Oct 7, 20263.51%▲ from 3.50% Sep 18, 20263.50%first recorded Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High Yield Health Savings Account (HYHSA)	-	3.00%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.01 - $250,000.00; Tiered variable rate account Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.00% APY · checked 5 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High Yield Savings - Standard	2.96%	3.00%
Details Balance: $250,000 or Less Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.00% APY · checked 4 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High Yield Savings Account Promotion	2.96%	3.00%
Min Balance $0 Details Balance: $0.00 - $250,000.00; Standard rate Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.00% APY · checked 4 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High-Yield Health Savings	2.96%	3.00%
Min Balance $100,000 Details Balance: Greater than $100,000 up to $250,000 Last Updated 11/05/2026 Rate History 1 change since Oct 7, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75% Oct 20, 20263.00%▲ from 2.75% Oct 7, 20262.75%first recorded Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Platinum High Yield Savings	-	3.00%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.00 - $250,000.00; Available to new FNBA customers; Existing customers may convert standard HYSA by depositing $20,000 of new money by December 31, 2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.00% APY · checked 5 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Standard High Yield Savings	-	3.00%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.01 - $250,000.00; Tiered variable-rate account Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75% Oct 7, 20263.00%▲ from 2.75% Sep 18, 20262.75%first recorded Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High Yield Health Savings Account (HYHSA)	-	2.75%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.01 - $100,000.00; Tiered variable rate account Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.75% APY · checked 5 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High-Yield Health Savings	2.72%	2.75%
Min Balance $50,000 Details Balance: Greater than $50,000 up to $100,000 Last Updated 11/05/2026 Rate History 1 change since Oct 7, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50% Oct 20, 20262.75%▲ from 2.50% Oct 7, 20262.50%first recorded Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High Yield Health Savings Account (HYHSA)	-	2.50%
Min Deposit $1,000 Min Balance $20,000 Details Balance: $20,000.01 - $50,000.00; Tiered variable rate account Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.50% APY · checked 5 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High-Yield Health Savings	2.47%	2.50%
Min Balance $20,000 Details Balance: Greater than $20,000 up to $50,000 Last Updated 11/05/2026 Rate History 1 change since Oct 7, 2026 · 2.25% → 2.50% ▲ 0.25 pts · high 2.50% / low 2.25% Oct 20, 20262.50%▲ from 2.25% Oct 7, 20262.25%first recorded Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Standard High Yield Savings	-	2.50%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.00 - $50,000.00; Tiered variable-rate account Last Updated 11/05/2026 Rate History 1 change since Sep 24, 2026 · 2.25% → 2.50% ▲ 0.25 pts · high 2.50% / low 2.25% Oct 14, 20262.50%▲ from 2.25% Sep 24, 20262.25%first recorded Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High Yield Health Savings Account (HYHSA)	-	2.25%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.00 - $20,000.00; Tiered variable rate account Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.25% APY · checked 5 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High-Yield Health Savings	2.23%	2.25%
Details Balance: $20,000 or less Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 2.25% APY · checked 4 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Traditional Health Savings	0.30%	0.30%
Details Balance: All Balances Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.30% APY · checked 6 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Statement Savings	0.25%	0.25%
Details Balance: All Balances Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 10 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%

First National Bank of America (FNBA) Business Savings Rates

Product	Rate	APY
Business High-Yield Savings	3.45%	3.51%
Min Balance $250,000 Details Balance: Greater than $250,000 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.51% APY · checked 10 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Business High-Yield Savings	3.20%	3.25%
Min Balance $100,000 Details Balance: Greater than $100,000 up to $250,000 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 10 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Business High-Yield Savings	2.96%	3.00%
Min Balance $50,000 Details Balance: Greater than $50,000 up to $100,000 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 10 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Business High-Yield Savings	2.47%	2.50%
Min Balance $0 Details Balance: up to $50,000 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 10 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Business Money Market Savings	0.50%	0.50%
Min Balance $250,000 Details Balance: over $250,000 Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 0.50% APY · checked 11 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Business Money Market Savings	0.45%	0.45%
Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 0.45% APY · checked 12 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Business Money Market Savings	0.45%	0.45%
Min Balance $100,000 Details Balance: $100,000 to $249,999.99 Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 0.45% APY · checked 12 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Business Money Market Savings	0.40%	0.40%
Min Balance $1,000 Details Balance: $1,000 to $2,499.99 Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 0.40% APY · checked 12 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Business Money Market Savings	0.40%	0.40%
Min Balance $2,500 Details Balance: $2,500 to $4,999.99 Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 0.40% APY · checked 12 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Business Money Market Savings	0.40%	0.40%
Min Balance $5,000 Details Balance: $5,000 to 19,999.99 Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 0.40% APY · checked 12 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Business Money Market Savings	0.40%	0.40%
Min Balance $20,000 Details Balance: $20,000 to $49,999.99 Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 0.40% APY · checked 12 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%

First National Bank of America (FNBA) Business Money Market Rates

Product	Rate	APY
Business Money Market Savings	0.50%	0.50%
Min Balance $250,000 Details Balance: over $250,000 Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 0.50% APY · checked 11 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Business Money Market Savings	0.45%	0.45%
Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 0.45% APY · checked 12 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Business Money Market Savings	0.45%	0.45%
Min Balance $100,000 Details Balance: $100,000 to $249,999.99 Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 0.45% APY · checked 12 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Business Money Market Savings	0.40%	0.40%
Min Balance $1,000 Details Balance: $1,000 to $2,499.99 Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 0.40% APY · checked 12 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Business Money Market Savings	0.40%	0.40%
Min Balance $2,500 Details Balance: $2,500 to $4,999.99 Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 0.40% APY · checked 12 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Business Money Market Savings	0.40%	0.40%
Min Balance $5,000 Details Balance: $5,000 to 19,999.99 Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 0.40% APY · checked 12 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Business Money Market Savings	0.40%	0.40%
Min Balance $20,000 Details Balance: $20,000 to $49,999.99 Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 0.40% APY · checked 12 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%

First National Bank of America (FNBA) Checking Rates

Product	Rate	APY
Elevate Checking	4.41%	4.50%
Min Balance $0 Details Balance: $20,000 or less Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 4.50% APY · checked 11 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Elevate Checking	-	4.50%
Min Deposit $1,000 Min Balance $0 Details Qualifications Required; Balance: $0.00 - $20,000.00; Top qualifying tier. Requires $1,000 minimum daily balance; $1,000 minimum opening deposit of new money; No Monthly Service Fee; Use any Allpoint ATM in the U.S. for free Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 4.50% APY · checked 11 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Elevate Checking	-	3.00%
Min Balance $50,000 Details Published APY range: 3.00% - 2.63%. Balance: Greater than $50,000 up to $100,000 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 11 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Signature Checking	2.72%	2.75%
Min Deposit $1,000 Min Balance $250,000 Details Balance: Over $250,000; Tiered variable rate account; $10.00 service fee if daily balance falls below $1,000 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 11 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Signature Checking	2.72%	2.75%
Min Deposit $1,000 Min Balance $0 Details Balance: Over $250,000 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 2.51% → 2.75% ▲ 0.24 pts · high 2.75% / low 2.51% Oct 20, 20262.75%▲ from 2.51% Sep 18, 20262.51%first recorded Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Signature Checking	-	2.75%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.01 and over; Tiered variable rate; No monthly qualifying requirements Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 7 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Elevate Checking	-	2.63%
Min Balance $100,000 Details Published APY range: 2.63% - 2.51%. Balance: Greater than $100,000 up to $1,000,000 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.63% APY · checked 11 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Relationship Checking	2.48%	2.51%
Details Balance: All balances; Open Your Relationship Checking; Interest rate and APY accurate as of 10/19/2026; subject to change without notice Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.51% APY · checked 11 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Relationship Checking	-	2.51%
Min Deposit $1,000 Details Exclusively for FNBA mortgage holders; Must have an Existing FNBA Mortgage; No Monthly Service Fee; Earn up to 1% annually on outstanding FNBA mortgage balance Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.51% APY · checked 11 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Signature Checking	2.48%	2.51%
Min Deposit $1,000 Min Balance $0 Details Balance: $250,000 or less Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.51% APY · checked 7 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
HSA Checking	-	0.30%
Min Deposit $50 Details No monthly service fee with $50 daily balance; Available to Michigan residents, accounts opened in person at East Lansing, Grand Rapids or Traverse City Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.30% APY · checked 4 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%

First National Bank of America (FNBA) Other Rates

Product	Rate	Points	APY/APR	Term
High Yield Savings Promotion	-	-	4.20%	6 months
Min Deposit $1,000 Min Balance $0 Details Promotional rate for first 6 months from account opening; applies to all balances; New Money only; new accounts only; Balance: $0.00 - $250,000.00 after promotion period at 3.60% APY Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.20% APY · checked 4 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High-Yield Savings Special	-	-	4.20%	6 months
Min Deposit $1,000 Details Limited Time Offer; promotional rate for 6 months Last Updated 11/05/2026 Rate History 1 change since Sep 24, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Oct 20, 20264.20%▲ from 4.00% Sep 24, 20264.00%first recorded Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Signature Checking	-	-	2.51%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.00 - $250,000.00; Tiered variable rate; No monthly qualifying requirements; No monthly service fee with at least $1,000 daily balance Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.51% APY · checked 7 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

First National Bank of America (FNBA)’s Texas Ratio rose from 13.60% in Q3 2023 to 23.12% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.3 and its Health Grade from A to B-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$6.8B	23.12%	4.3	B-
March 31, 2026	$6.8B	23.07%	4.3	B-
December 31, 2025	$6.7B	22.22%	4.4	B-
September 30, 2025	$6.6B	20.78%	4.5	B
June 30, 2025	$6.4B	20.75%	4.5	B
March 31, 2025	$6.4B	18.81%	4.7	B+
December 31, 2024	$6.3B	17.85%	4.8	B+
September 30, 2024	$6.1B	16.05%	4.9	A-
June 30, 2024	$6.0B	14.84%	5.0	A-
March 31, 2024	$5.8B	15.37%	5.0	A-
December 31, 2023	$5.6B	14.07%	5.0	A-
September 30, 2023	$5.3B	13.60%	5.0	A

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First National Bank of America (FNBA) is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First National Bank of America (FNBA) rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First National Bank of America (FNBA)'s official website for the most current offers and terms.

Bank Profile & Overview

Bank Name First National Bank of America (FNBA)

Website https://www.fnba.com

Address 241 E Saginaw St, East Lansing, MI 48823 · Ingham

Bank Holding Company FIRST NATIONAL BANCSHARES INC

FDIC Certificate # 17438

Regulator OCC

Established May 6, 1955

FDIC Insurance Date May 6, 1955

Domestic Offices 3

Total Branches 3

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.3 / 5.0 ★

Overall Health & Safety Grade

B- (82/100)

Texas Ratio

23.12%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

2.7880%

Return on Equity (ROE)

34.7200%

Non-Performing Loans Ratio (NPL)

1.75%

Total Assets

$6,818,824,000

Total Deposits

$3,878,684,000

Equity Capital

$550,743,000

Net Income

$94,246,000

Headquarters

East Lansing

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

Customer Reviews

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Frequently Asked Questions About First National Bank of America (FNBA)

Does First National Bank of America (FNBA) offer CDs?

Yes. First National Bank of America (FNBA) current CD rates include its 60-Month CD at 4.60% APY, its Time CD - 60-Month at 4.60% APY and its 36-Month CD at 4.50% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from First National Bank of America (FNBA) FDIC insured?

Yes. First National Bank of America (FNBA) is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at First National Bank of America (FNBA)?

The highest First National Bank of America (FNBA) CD rate is its 60-Month Certificate of Deposit at 4.60% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does First National Bank of America (FNBA) offer?

First National Bank of America (FNBA) CD rates are 4.30% APY for a 12 month CD, 4.40% APY for an 18 month CD, 4.40% APY for a 2 year CD, 4.50% APY for a 3 year CD, 4.50% APY for a 4 year CD and 4.60% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with First National Bank of America (FNBA) for its full lineup.

What is the highest savings rate at First National Bank of America (FNBA)?

The highest First National Bank of America (FNBA) savings rate is its High Yield Savings - Promotional at 4.20% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at First National Bank of America (FNBA)?

The highest First National Bank of America (FNBA) money market rate is its Business Money Market Savings at 0.50% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at First National Bank of America (FNBA)?

The highest First National Bank of America (FNBA) checking rate is its Elevate Checking at 4.50% APY, verified by MonitorBankRates as of November 5, 2026.

How many branches does First National Bank of America (FNBA) operate?

First National Bank of America (FNBA) currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First National Bank of America (FNBA) does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First National Bank of America (FNBA) provides members with tools to manage their accounts and build a solid financial history.

Does First National Bank of America (FNBA) offer online and mobile banking?

Most modern institutions like First National Bank of America (FNBA) provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fnba.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do First National Bank of America (FNBA) rates compare?

First National Bank of America (FNBA)'s top CD rate of 4.60% APY on a 5 year CD is 57% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has a B- health rating. First National Bank of America (FNBA)'s top rates are its 60-Month Certificate of Deposit at 4.60% APY, its High Yield Savings - Promotional at 4.20% APY and its Elevate Checking at 4.50% APY, verified by MonitorBankRates on November 5, 2026.

Current First National Bank of America (FNBA) Rates

12-Month CD4.30%
18-Month CD4.40%
24-Month CD4.40%
36-Month CD4.50%
48-Month CD4.50%
60-Month CD4.60%
Savings4.20%

Retrieved from our database of financial products. Rates subject to change.

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First National Bank of America (FNBA) Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

First National Bank of America (FNBA) Texas Ratio

First National Bank of America (FNBA) Health Trend

First National Bank of America (FNBA) CD Rates

First National Bank of America (FNBA) Savings Rates

First National Bank of America (FNBA) Business Savings Rates

First National Bank of America (FNBA) Business Money Market Rates

First National Bank of America (FNBA) Checking Rates

First National Bank of America (FNBA) Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Customer Reviews

Frequently Asked Questions About First National Bank of America (FNBA)

Does First National Bank of America (FNBA) offer CDs?

Are CDs from First National Bank of America (FNBA) FDIC insured?

What is the highest CD rate at First National Bank of America (FNBA)?

What CD terms does First National Bank of America (FNBA) offer?

What is the highest savings rate at First National Bank of America (FNBA)?

What is the highest money market rate at First National Bank of America (FNBA)?

What is the highest checking rate at First National Bank of America (FNBA)?

How many branches does First National Bank of America (FNBA) operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does First National Bank of America (FNBA) offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do First National Bank of America (FNBA) rates compare?

Current First National Bank of America (FNBA) Rates

Compare to Other Banks