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: 4.00%, 18-Month CD: 4.20%, 24-Month CD: 4.00%, 36-Month CD: 4.00%, 48-Month CD: 4.20%, 60-Month CD: 4.20%, Savings: 0.40%

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First National Bank of America (FNBA)

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

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 18, 2026

First National Bank of America (FNBA)'s 18-Month Certificate of Deposit (CD) rates are at 4.20%, 18-Month Certificate Special rates are at 4.20%, 18-Month Special 18-Month Certificate Special rates are at 4.20%, 48-Month Certificate of Deposit rates are at 4.20%, 60-Month Certificate of Deposit rates are at 4.20%. First National Bank of America (FNBA)'s savings rates are at 0.40%. 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 09/18/2026.

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

First National Bank of America (FNBA) CD Rates

Product	Rate	APY	Term
18 Month Certificate Special	4.14%	4.20%	18 Month
No additional details. Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
18 Month Certificate Special	4.14%	4.20%	18 Month Special
No additional details. Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
48 Month Certificate of Deposit	4.14%	4.20%	48 Month
No additional details. Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
60 Month Certificate of Deposit	4.14%	4.20%	60 Month
No additional details. Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
12 Month Certificate of Deposit	3.94%	4.00%	12 Month
No additional details. Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
24 Month Certificate of Deposit	3.94%	4.00%	24 Month
No additional details. Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
36 Month Certificate of Deposit	3.94%	4.00%	36 Month
No additional details. Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
6 Month Certificate of Deposit	3.80%	3.85%	6 Month
No additional details. Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
3 Month Certificate of Deposit	3.55%	3.60%	3 Month
No additional details. Last Updated 09/18/2026 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	3.93%	4.00%
Min Balance $0 Details All Balances for first 6 months; Balance: All Balances for first 6 months Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High Yield Savings	3.69%	3.75%
Min Balance $250,000 Details Balance: Greater than $250,000 Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Business High-Yield Savings	3.45%	3.51%
Min Balance $250,000 Details Balance: Greater than $250,000 Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High-Yield HSA Savings	-	3.51%
Min Deposit $1,000 Details Competitive earnings using our Standard HYSA rates. Available to Michigan residents, with accounts opened in person at our East Lansing, Grand Rapids or Traverse City locations. Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High Yield Savings	3.45%	3.50%
Min Balance $250,000 Details Balance: Greater than $250,000 Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Standard High Yield Savings	-	3.50%
Min Deposit $1,000 Min Balance $250,000 Details Account balances up to $20,000 will earn a rate of 2.25% APY; balances greater than $20,000 up to $50,000 will earn a rate of 2.50% APY; balances greater than $50,000 up to $100,000 will earn a rate of 2.75% APY; balances greater than $100,000 up to $250,000 will earn a rate of 3.00% APY; balances greater than $250,000 will earn a rate of 3.50% APY. Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Standard High Yield Savings	-	3.50%
Min Deposit $1,000 Details Tiered, variable rate account. Balances greater than $250,000 will earn a rate of 3.50% APY. When your balance falls into a specific rate tier, your entire balance will earn the applicable rate for that tier. Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High Yield Savings	3.44%	3.49%
Min Balance $100,000 Details Balance: Greater than $100,000 up to $250,000 Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High Yield Savings	3.32%	3.37%
Min Balance $50,000 Details Balance: Greater than $50,000 up to $100,000 Last Updated 09/18/2026 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 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High Yield Savings	3.20%	3.25%
Min Balance $20,000 Details Balance: Greater than $20,000 up to $50,000 Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High Yield Savings	3.07%	3.11%
Min Balance $20,000 Details Balance: $20,000 or less Last Updated 09/18/2026 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 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High Yield Savings	2.96%	3.00%
Min Balance $100,000 Details Balance: Greater than $100,000 up to $250,000 Last Updated 09/18/2026 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 $100,000 Details Account balances up to $20,000 will earn a rate of 2.25% APY; balances greater than $20,000 up to $50,000 will earn a rate of 2.50% APY; balances greater than $50,000 up to $100,000 will earn a rate of 2.75% APY; balances greater than $100,000 up to $250,000 will earn a rate of 3.00% APY; balances greater than $250,000 will earn a rate of 3.50% APY. Last Updated 09/18/2026 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 $250,000 Details Tiered, variable rate account. Balances greater than $100,000 up to $250,000 will earn a rate of 3.00% APY. When your balance falls into a specific rate tier, your entire balance will earn the applicable rate for that tier. Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High Yield Savings	2.72%	2.75%
Min Balance $50,000 Details Balance: Greater than $50,000 up to $100,000 Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Standard High Yield Savings	-	2.75%
Min Deposit $1,000 Min Balance $50,000 Details Account balances up to $20,000 will earn a rate of 2.25% APY; balances greater than $20,000 up to $50,000 will earn a rate of 2.50% APY; balances greater than $50,000 up to $100,000 will earn a rate of 2.75% APY; balances greater than $100,000 up to $250,000 will earn a rate of 3.00% APY; balances greater than $250,000 will earn a rate of 3.50% APY. Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Standard High Yield Savings	-	2.75%
Min Deposit $1,000 Min Balance $100,000 Details Tiered, variable rate account. Balances greater than $50,000 up to $100,000 will earn a rate of 2.75% APY. When your balance falls into a specific rate tier, your entire balance will earn the applicable rate for that tier. Last Updated 09/18/2026 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 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High Yield Savings	2.47%	2.50%
Min Balance $20,000 Details Balance: Greater than $20,000 up to $50,000 Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High Yield Savings	2.23%	2.25%
Min Balance $20,000 Details Balance: $20,000 or less Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Standard High Yield Savings	-	2.25%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01 - $20,000 Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Standard High Yield Savings	-	2.25%
Min Deposit $1,000 Min Balance $20,000 Details Tiered, variable rate account. Balances up to $20,000 will earn a rate of 2.25% APY. When your balance falls into a specific rate tier, your entire balance will earn the applicable rate for that tier. Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Standard High Yield Savings	-	2.25%
Min Deposit $1,000 Details Account balances up to $20,000 will earn a rate of 2.25% APY; balances greater than $20,000 up to $50,000 will earn a rate of 2.50% APY; balances greater than $50,000 up to $100,000 will earn a rate of 2.75% APY; balances greater than $100,000 up to $250,000 will earn a rate of 3.00% APY; balances greater than $250,000 will earn a rate of 3.50% APY. Last Updated 09/18/2026 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 09/18/2026 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 09/18/2026 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 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Business Money Market Savings	0.40%	0.40%
Min Balance $0 Details Balance: less than $1,000 Last Updated 09/18/2026 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 09/18/2026 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 09/18/2026 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 09/18/2026 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 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Health Savings	0.30%	0.30%
No additional details. Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Statement Savings	0.25%	0.25%
No additional details. Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%

First National Bank of America (FNBA) 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 09/18/2026 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 09/18/2026 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 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Business Money Market Savings	0.40%	0.40%
Min Balance $0 Details Balance: less than $1,000 Last Updated 09/18/2026 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 09/18/2026 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 09/18/2026 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 09/18/2026 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 09/18/2026 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	-	4.50%
Min Deposit $1,000 Min Balance $20,000 Details Qualifications Required: 10 debit transactions on this account during the statement cycle; maintain at least a $1,000 daily balance in the account; receive an aggregate of $1,000 or more in electronic fund credits of new money during the statement cycle; sign-in to your account at least once using mobile or online banking; Tiered, variable-rate account. To qualify for the monthly interest reward (4.50% APY) you must meet the following minimum checking account requirements each statement cycle: (1) make 10 debit transactions on this account during the statement cycle, (2) maintain at least a $1,000 daily balance in the account, (3) receive an aggregate of $1,000 or more in electronic fund credits of new money during the statement cycle, (4) sign-in to your account at least once using mobile or online banking. If you do not meet one or more of the rewards qualifications, your APY will be reduced to 0.01%. Balances greater than $20,000 up to $50,000; 3.00% - 2.63% APY will apply to balances greater than $50,000 up to $100,000; 2.63% - 2.51% APY will apply to balances greater than $100,000 up to $1,000,000 and an APY of 2.51% - 2.60% for balances greater than $1,000,000. Each interest rate will apply only to the portion of the account balance that is within the specified range. The APY shown on your monthly statement will reflect interest earnings for your entire balance. Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Elevate Checking	-	4.50%
Min Deposit $1,000 Min Balance $1,000 Details Qualifications Required: 10 debit transactions; $1,000 daily balance; $1,000+ in electronic fund credits of new money; sign-in to mobile or online banking; Qualifying balance up to $20,000.00; Balance: $1,000.01 - $20,000.00 Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Elevate Checking	-	4.50%
Min Deposit $1,000 Min Balance $20,000 Details Published APY range: 4.50%-3.00%. Qualifications Required: 10 debit transactions; $1,000 daily balance; $1,000+ in electronic fund credits of new money; sign-in to mobile or online banking; Balance: $20,000.01 - $50,000.00 Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Elevate Checking	4.41%	4.50%
Min Balance $0 Details Balance: $20,000 or less Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Elevate Checking	4.41%	4.50%
Min Balance $20,000 Details Balance: $20,000 or less Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Elevate Checking	-	3.00%
Min Deposit $1,000 Min Balance $50,000 Details Qualifications Required: 10 debit transactions on this account during the statement cycle; maintain at least a $1,000 daily balance in the account; receive an aggregate of $1,000 or more in electronic fund credits of new money during the statement cycle; sign-in to your account at least once using mobile or online banking; Tiered, variable-rate account. To qualify for the monthly interest reward (4.50% APY) you must meet the following minimum checking account requirements each statement cycle: (1) make 10 debit transactions on this account during the statement cycle, (2) maintain at least a $1,000 daily balance in the account, (3) receive an aggregate of $1,000 or more in electronic fund credits of new money during the statement cycle, (4) sign-in to your account at least once using mobile or online banking. If you do not meet one or more of the rewards qualifications, your APY will be reduced to 0.01%. Balances up to $20,000 will earn a rate of 4.50% APY; 4.50% - 3.00% APY will apply to balances greater than $20,000 up to $50,000; 3.00% - 2.63% APY will apply to balances greater than $50,000 up to $100,000; 2.63% - 2.51% APY will apply to balances greater than $100,000 up to $1,000,000 and an APY of 2.51% - 2.60% for balances greater than $1,000,000. Each interest rate will apply only to the portion of the account balance that is within the specified range. The APY shown on your monthly statement will reflect interest earnings for your entire balance. Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Elevate Checking	-	3.00%
Min Deposit $1,000 Min Balance $50,000 Details Published APY range: 3.00%-2.63%. Qualifications Required: 10 debit transactions; $1,000 daily balance; $1,000+ in electronic fund credits of new money; sign-in to mobile or online banking; Balance: $50,000.01 - $100,000.00 Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Elevate Checking	2.23%	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 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Elevate Checking	2.23%	3.00%
Min Balance $100,000 Details Published APY range: 3.00% - 2.63%. Balance: Greater than $50,000 up to $100,000 Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Signature Checking	2.51%	2.75%
Min Deposit $1,000 Min Balance $250,000 Details Tiered, variable rate account. Balances up to $250,000 will earn interest at 2.51% APY; balances greater than $250,000 will earn interest at 2.75% APY. When your balance falls into a specific rate tier; your entire balance will earn the applicable rate for that tier. A $10.00 Service Fee will be imposed if your daily balance falls below $1,000 on any day of the statement cycle period. Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Signature Checking	2.72%	2.75%
Min Balance $0 Details Balance: Over $250,000 Last Updated 09/18/2026 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: greater than $250,000 Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Signature Checking	-	2.75%
Min Deposit $1,000 Details Tiered, variable rate account. Account balances up to $250,000 will earn interest at 2.51% APY; balances greater than $250,000 will earn interest at 2.75% APY. When your balance falls into a specific rate tier, your entire balance will earn the applicable rate for that tier. A $10.00 Service Fee will be imposed if your daily balance falls below $1,000 on any day of the statement cycle period. Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Elevate Checking	2.47%	2.63%
Min Balance $1,000,000 Details Published APY range: 2.63% - 2.51%. Balance: Greater than $100,000 up to $1,000,000 Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Elevate Checking	-	2.63%
Min Deposit $1,000 Min Balance $100,000 Details Qualifications Required: 10 debit transactions on this account during the statement cycle; maintain at least a $1,000 daily balance in the account; receive an aggregate of $1,000 or more in electronic fund credits of new money during the statement cycle; sign-in to your account at least once using mobile or online banking; Tiered, variable-rate account. To qualify for the monthly interest reward (4.50% APY) you must meet the following minimum checking account requirements each statement cycle: (1) make 10 debit transactions on this account during the statement cycle, (2) maintain at least a $1,000 daily balance in the account, (3) receive an aggregate of $1,000 or more in electronic fund credits of new money during the statement cycle, (4) sign-in to your account at least once using mobile or online banking. If you do not meet one or more of the rewards qualifications, your APY will be reduced to 0.01%. Balances up to $20,000 will earn a rate of 4.50% APY; 4.50% - 3.00% APY will apply to balances greater than $20,000 up to $50,000; 3.00% - 2.63% APY will apply to balances greater than $50,000 up to $100,000; 2.63% - 2.51% APY will apply to balances greater than $100,000 up to $1,000,000 and an APY of 2.51% - 2.60% for balances greater than $1,000,000. Each interest rate will apply only to the portion of the account balance that is within the specified range. The APY shown on your monthly statement will reflect interest earnings for your entire balance. Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Elevate Checking	-	2.63%
Min Deposit $1,000 Min Balance $100,000 Details Published APY range: 2.63%-2.51%. Qualifications Required: 10 debit transactions; $1,000 daily balance; $1,000+ in electronic fund credits of new money; sign-in to mobile or online banking; Balance: $100,000.01 - $1,000,000.00 Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Elevate Checking	2.47%	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 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Elevate Checking	-	2.51%
Min Deposit $1,000 Min Balance $1,000,000 Details Qualifications Required: 10 debit transactions on this account during the statement cycle; maintain at least a $1,000 daily balance in the account; receive an aggregate of $1,000 or more in electronic fund credits of new money during the statement cycle; sign-in to your account at least once using mobile or online banking; Tiered, variable-rate account. To qualify for the monthly interest reward (4.50% APY) you must meet the following minimum checking account requirements each statement cycle: (1) make 10 debit transactions on this account during the statement cycle, (2) maintain at least a $1,000 daily balance in the account, (3) receive an aggregate of $1,000 or more in electronic fund credits of new money during the statement cycle, (4) sign-in to your account at least once using mobile or online banking. If you do not meet one or more of the rewards qualifications, your APY will be reduced to 0.01%. Balances up to $20,000 will earn a rate of 4.50% APY; 4.50% - 3.00% APY will apply to balances greater than $20,000 up to $50,000; 3.00% - 2.63% APY will apply to balances greater than $50,000 up to $100,000; 2.63% - 2.51% APY will apply to balances greater than $100,000 up to $1,000,000 and an APY of 2.51% - 2.60% for balances greater than $1,000,000. Each interest rate will apply only to the portion of the account balance that is within the specified range. The APY shown on your monthly statement will reflect interest earnings for your entire balance. Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Elevate Checking	-	2.51%
Min Deposit $1,000 Min Balance $1,000,000 Details Published APY range: 2.51%-2.60%. Qualifications Required: 10 debit transactions; $1,000 daily balance; $1,000+ in electronic fund credits of new money; sign-in to mobile or online banking; Balance: greater than $1,000,000 Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Relationship Checking	2.48%	2.51%
Details Balance Tier: All balances Last Updated 09/18/2026 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 Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Signature Checking	2.51%	2.51%
Min Deposit $1,000 Min Balance $0 Details Tiered, variable rate account. Balances up to $250,000 will earn interest at 2.51% APY; balances greater than $250,000 will earn interest at 2.75% APY. When your balance falls into a specific rate tier; your entire balance will earn the applicable rate for that tier. A $10.00 Service Fee will be imposed if your daily balance falls below $1,000 on any day of the statement cycle period. Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Signature Checking	2.48%	2.51%
Min Balance $250,000 Details Balance: $250,000 or less Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
HSA Checking	-	0.30%
Min Deposit $50 Min Balance $50 Details No Monthly Service Fee when you maintain a $50 daily balance. Available to Michigan residents, with accounts opened in person at our East Lansing, Grand Rapids or Traverse City locations. Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Elevate Checking	-	0.01%
Min Deposit $1,000 Details If you do not meet one or more of the rewards qualifications, your APY will be reduced to 0.01%. Last Updated 09/18/2026 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	3.07%	-	3.11%
Min Balance $20,000 Details Balance: $20,000 or less Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High-Yield Savings	3.20%	-	3.25%
Min Balance $20,000 Details Balance: Greater than $20,000 up to $50,000 Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High-Yield Savings	3.32%	-	3.37%
Min Balance $50,000 Details Balance: Greater than $50,000 up to $100,000 Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High-Yield Savings	3.44%	-	3.49%
Min Balance $100,000 Details Balance: Greater than $100,000 up to $250,000 Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High-Yield Savings	3.69%	-	3.75%
Min Balance $250,000 Details Balance: Greater than $250,000 Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High-Yield Savings	2.23%	-	2.25%
Min Balance $20,000 Details Balance: $20,000 or less Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High-Yield Savings	2.47%	-	2.50%
Min Balance $20,000 Details Balance: Greater than $20,000 up to $50,000 Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High-Yield Savings	2.72%	-	2.75%
Min Balance $50,000 Details Balance: Greater than $50,000 up to $100,000 Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High-Yield Savings	2.96%	-	3.00%
Min Balance $100,000 Details Balance: Greater than $100,000 up to $250,000 Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High-Yield Savings	3.45%	-	3.50%
Min Balance $250,000 Details Balance: Greater than $250,000 Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
High-Yield Savings Special Limited Time Offer	-	-	4.00%	6 months
Details Promotional rate for 6 months. New Money only. New Money is defined as funds deposited from an external financial institution or source, not previously held on deposit at FNBA within the last 30 days. Internal transfers between existing FNBA accounts do not qualify. Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
HSA CD	-	-	4.40%
Min Deposit $1,000 Details Lock in a guaranteed rate on healthcare dollars you won't need soon. 3 month to 10 year terms available. Available to Michigan residents, with accounts opened in person at our East Lansing, Grand Rapids or Traverse City locations. Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.12%
Signature Checking	-	-	2.51%
Min Deposit $1,000 Details Balance: up to $250,000 Last Updated 09/18/2026 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.
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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

Institution Name First National Bank of America (FNBA)

Bank Holding Company FIRST NATIONAL BANCSHARES INC

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

Website https://www.fnba.com

FDIC Certificate # 17438

Established 19550506

FDIC Insurance Date 19550506

Domestic Offices 3

Total Branches 3

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

B-

Overall Health Grade Score: 82/100

4.3

Excellent Out of 5.0 Stars

23.12%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 2.7880%

Return on Equity (ROE) 34.7200%

Non-Performing Loans (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 3

Source: FDIC | Last Updated 06/30/2026

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

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.