What are the current interest rates at First National Bank VA?

Current rates for First National Bank VA include: 12-Month CD: 1.51%, 18-Month CD: 2.37%, 24-Month CD: 2.27%, 36-Month CD: 2.27%, 48-Month CD: 2.27%, 60-Month CD: 2.27%, Savings: 0.30%, MMA: 0.75%

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First National Bank VA

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First National Bank VA Rates & Review September 2026

Q: How many branches does First National Bank VA operate?

First National Bank VA currently maintains approximately 20 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, First National Bank VA 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First National Bank VA 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 19, 2026

First National Bank VA's 6-Month CD rates are at 3.02%, 1 Year Certificate rates are at 2.52%, 1 Year Fixed IRA rates are at 2.52%, 12-Month Variable IRA rates are at 2.52%, Roth 1 Year Fixed IRA rates are at 2.52%. First National Bank VA's savings rates are at 0.30%. First National Bank VA's money market rates are at 0.75%. MonitorBankRates evaluates the financial stability of First National Bank VA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.54%. Rates last updated and verified on 09/19/2026.

First National Bank VA 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 VA? Share your experience about First National Bank VA by leaving a review below, or read customer reviews before you decide to use First National Bank VA.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.54%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

First National Bank

622 Broad St
Altavista, VA 24517

https://www.1stnatbk.com

First National Bank VA CD Rates

Product	Rate	APY	Term
6 Month CD	3.00%	3.02%	6 Month
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
1 Year Certificate	2.50%	2.52%	1 Year
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
1 Year Fixed IRA	2.50%	2.52%	1 Year Fixed
Min Deposit $100 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
12 Month Variable IRA	2.50%	2.52%	12 Month Variable
Min Deposit $100 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Roth 1 Year Fixed IRA	2.50%	2.52%	1 Year Fixed
Min Deposit $100 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
15 Month Certificate	2.45%	2.47%	15 Month
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
18 Month 1st Choice Club	2.35%	2.37%	18 Month
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
18 Month Certificate	2.30%	2.32%	18 Month
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
18 Month Variable IRA	2.30%	2.32%	18 Month Variable
Min Deposit $100 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Educational IRA 18 Month	2.30%	2.32%	18 Month
Min Deposit $100 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Roth 18 Month Variable IRA	2.30%	2.32%	18 Month Variable
Min Deposit $100 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
2 1/2 Year	2.25%	2.27%	2 1/2 Year
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
2 Year Certificate	2.25%	2.27%	2 Year
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
2 Year Fixed IRA	2.25%	2.27%	2 Year Fixed
Min Deposit $100 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
3 Year Certificate	2.25%	2.27%	3 Year
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
3 Year Fixed IRA	2.25%	2.27%	3 Year Fixed
Min Deposit $100 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
4 Year Certificate	2.25%	2.27%	4 Year
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
4 Year Fixed IRA	2.25%	2.27%	4 Year Fixed
Min Deposit $100 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
5 Year Certificate	2.27%	2.27%	5 Year
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
5 Year Fixed IRA	2.25%	2.27%	5 Year Fixed
Min Deposit $100 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Roth 5 Year Fixed IRA	2.25%	2.27%	5 Year Fixed
Min Deposit $100 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
1 Year No Penalty	1.50%	1.51%	1 Year
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
91 Day Certificate	0.10%	0.10%	91 Day
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%

First National Bank VA Savings Rates

Product	Rate	APY
Business Savings	0.50%	0.50%
Min Deposit $100 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
1st Choice Club	0.40%	0.40%
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Statement Savings	0.30%	0.30%
Min Deposit $100 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%

First National Bank VA Money Market Rates

Product	Rate	APY
Business Money Market	2.50%	2.53%
Min Deposit $2,500 Min Balance $1,500,000 Details Balance: $1,500,000 and up Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Business Money Market	2.00%	2.02%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000 - $1,499,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Business Money Market	1.50%	1.51%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 - $499,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Money Market IRA	1.25%	1.51%
Min Deposit $100 Min Balance $500,000 Details Balance: $500,000 and up Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Money Market IRA	1.00%	1.26%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000 - $499,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Business Money Market	1.00%	1.01%
Min Deposit $2,500 Min Balance $0 Details Balance: up to $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Money Market IRA	0.75%	1.01%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
First Index Money Market	0.99%	0.99%
Min Deposit $1,000 Details Daily Balances of Over $1,000 (f) The interest rate on the account is based on the Fed Funds Average. For balances over $1,000 we will subtract a margin of 2.65%. We may change the rate on the account monthly on the seventh business day. The interest rate will not be less than 0.05%. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Money Market IRA	-	0.75%
Min Deposit $100 Details Balance: up to $49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%

First National Bank VA Checking Rates

Product	Rate	APY
Business Interest Checking	0.25%	0.25%
Min Deposit $100 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Interest Checking	0.20%	0.20%
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%

First National Bank VA Other Rates

Product	Rate	Points	APY/APR
Business Municipal Sweep	0.75%	-	0.75%
Min Deposit $2,500 Min Balance $0 Details Balance: up to $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Business Municipal Sweep	1.00%	-	1.01%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 - $499,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Business Municipal Sweep	1.50%	-	1.51%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000 - $1,499,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Business Municipal Sweep	2.00%	-	2.02%
Min Deposit $2,500 Min Balance $1,500,000 Details Balance: $1,500,000 and up Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Business Sweeps	1.00%	-	1.01%
Min Deposit $2,500 Min Balance $0 Details Balance: up to $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Business Sweeps	1.50%	-	1.51%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 - $499,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Business Sweeps	2.00%	-	2.02%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000 - $1,499,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Business Sweeps	2.50%	-	2.53%
Min Deposit $2,500 Min Balance $1,500,000 Details Balance: $1,500,000 and up Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%

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 VA’s Texas Ratio fell from 2.62% in Q3 2023 to 1.54% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold 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 Grade

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	$1.1B	1.54%	5.0	A+
March 31, 2026	$1.1B	1.73%	5.0	A+
December 31, 2025	$1.1B	1.72%	5.0	A+
September 30, 2025	$1.0B	1.53%	5.0	A+
June 30, 2025	$1.0B	1.06%	5.0	A+
March 31, 2025	$1.0B	1.12%	5.0	A+
December 31, 2024	$1.0B	1.83%	5.0	A+
September 30, 2024	$1.0B	1.12%	5.0	A+
June 30, 2024	$996M	1.63%	5.0	A+
March 31, 2024	$998M	1.62%	5.0	A+
December 31, 2023	$1.0B	2.04%	5.0	A+
September 30, 2023	$995M	2.62%	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 VA 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 VA 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 VA's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First National Bank VA

Bank Holding Company PINNACLE BANKSHARES CORP

Address 622 Broad St, Altavista, VA 24517 · Campbell

Website https://www.1stnatbk.com

FDIC Certificate # 6811

Established 19080301

FDIC Insurance Date 19340101

Domestic Offices 20

Total Branches 20

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.54%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.7550%

Return on Equity (ROE) 21.8500%

Non-Performing Loans (NPL) 0.12%

Total Assets $1,139,443,000

Total Deposits $1,041,696,000

Equity Capital $91,473,000

Net Income $9,624,000

Headquarters Altavista

Total Branches and Offices 20

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

First National Bank VA earned the Verified Healthy badge

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Frequently Asked Questions About First National Bank VA

How many branches does First National Bank VA operate?

First National Bank VA currently maintains approximately 20 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 VA 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 VA provides members with tools to manage their accounts and build a solid financial history.

Does First National Bank VA offer online and mobile banking?

Most modern institutions like First National Bank VA 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.1stnatbk.com.