Today’s Rates
At First National Bank of America, we offer competitive deposit rates to help you grow your savings. Whether you’re looking for a Certificate of Deposit (CD) with a guaranteed rate for a set period of time, a High-Yield Savings account that keeps your money liquid, or a checking account that is designed to reward you most for the account you use for everyday spending. Our current rates and products are available to help you make the most of your money.
Certificate of Deposit Rates**
CD Term | Interest Rate | APY* |
|---|---|---|
| 3 Month | 3.55% | 3.60% |
| 6 Month | 3.80% | 3.85% |
| 7 Month | 3.99% | 4.05% |
| 12 Month | 3.89% | 3.95% |
| 18 Month | 3.76% | 3.81% |
| 24 Month | 3.65% | 3.70% |
| 36 Month | 3.60% | 3.65% |
| 48 Month | 3.60% | 3.65% |
| 60 Month | 3.70% | 3.75% |
| 72 Month | 3.75% | 3.80% |
| 84 Month | 3.75% | 3.80% |
| 96 Month | 3.75% | 3.80% |
| 108 Month | 3.75% | 3.80% |
| 120 Month | 3.75% | 3.80% |
Elevate Checking Rates
Balance Tier | Interest Rate | APY* |
|---|---|---|
| $20,000 or less | 4.41% | 4.50% |
| Greater than $20,000 up to $50,000 | 1.98% | 4.50% - 3.00% |
| Greater than $50,000 up to $100,000 | 2.23% | 3.00% - 2.63% |
| Greater than $100,000 up to $1,000,000 | 2.47% | 2.63% - 2.51% |
| Greater than $1,000,000 | 2.57% | 2.51% - 2.60% |
Interested in our other banking products?
From Interest bearing checking accounts to everyday savings accounts, FNBA wants to redefine how you think of banking. Experience exceptional customer service and competitive rates that help your money grow.
Select a region below to see all of the great rates available in your area.
For more information:
Visit our Frequently Asked Questions or contact us by Phone: 517-679-6485 , Toll Free: 833-668-1003 or
email: [email protected]
**$1,000 minimum balance to obtain the APY. The same CD rates are also available on Roth and Traditional IRA CD’s for terms from 12 months through 60 months. The APY on all certificates assumes that principal and interest will remain on deposit until maturity. A penalty may be imposed for early withdrawal. For deposits over $1 million dollars please call for rates.
High Yield Savings is a tiered, variable rate account with a minimum opening deposit of $1,000. Account balances up to $20,000 will earn interest at 2.25% APY; balances greater than $20,000 up to $50,000 will earn interest at 2.50% APY; balances greater than $50,000 up to $100,000 will earn interest at 2.75 APY%; balances greater than $100,000 up to $250,000 will earn interest at a rate of 3.00% APY; balances greater than $250,000 will earner interest at 3.50% APY. When your balance falls into a specific rate tier; your entire balance will earn the applicable rate for that tier. For example, if your balance reaches $250,000. or more, your entire balance will earn 3.50% APY. Interest will be calculated and posted on the last day of each monthly Statement Cycle using a Daily Balance Method. The Daily Balance Method applies a periodic rate to the principal balance in your account each day. A $10.00 Service Fee will be imposed if your average daily balance falls below $1000 for the statement cycle period.
Elevate Checking is a tiered, variable-rate account with a minimum opening deposit of $1,000 of new money. *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. New money is defined as money received from another financial institution and not transferred between accounts at FNBA. Statement Cycle is defined as the monthly recurring time period between two consecutive account statements (i.e. Sept 5th through October 4th). Balance information and interest crediting: If you meet the minimum qualification requirements during the monthly Statement Cycle, 4.50% APY will apply to balances up to $20,000.00; 4.50% - 3.00% APY will apply to balances greater than $20,000 up to $50,000.00; 3.00% - 2.63% APY will apply to balances greater than $50,000 up to $100,000.00; 2.63% - 2.51% APY will apply to balances greater than $100,000 up to $1,000,000.00 and an APY of 2.51% - 2.60% for balances greater than $1,000,000.00. 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. Interest will be calculated and posted on the last day of each monthly Statement Cycle using a Daily Balance Method. The Daily Balance Method applies a periodic rate to the principal balance in your account each day. General information: If you do not meet one or more of the rewards qualifications, your APY will be reduced to 0.01%. If you close your account before interest is paid, you may not receive the accrued interest. Only one Elevate Checking per Social Security number.