Certificates of Deposit (CDs)

Our Certificates of Deposit offer guaranteed yields, flexibility, and the safety of FDIC insurance. That’s because you lock in a high yield that’s guaranteed from the day you open the account until the day it matures. You know exactly what return you’ll get and when you’ll get it. FDIC insured up to $250,000.

We offer Certificates of Deposit in a broad range of maturities, each designed with a particular goal in mind. And, for as little as $1,000, you can open your own CD.

Independent Banker recently rated First National Bank of America the #8th community bank in the U.S.

Featured CDs 


13 Month CD


Annual Percentage Yield*

  • Fastest, readiest access to your money
  • Guaranteed yields
  • FDIC Insured
  • $1,000 Minimum


36 Month CD


Annual Percentage Yield*

  • Higher yields and more stability
  • Guaranteed yields
  • FDIC Insured
  • $1,000 Minimum


60 Month CD


Annual Percentage Yield*

  • Amongst highest yields & peace of mind
  • Guaranteed yields
  • FDIC Insured
  • $1,000 Minimum


Certificate of Deposit (CDs) Products

Short-Term CDs

Short term savings certificates, usually up to 3 months, offer you the fastest, readiest access to your money.

Medium-Term CDs

Our 6 to 18 month medium-term CDs offer you higher yields than shorter term CDs.

Long-Term CDs

If you have a long-term outlook, our CDs with maturities of 2 years or more generally will reward you with the highest yields we have to offer.


Open a FLEX CD and you have the FLEXability to change

Questions?  Stop by or call one of our branches and we would be happy to assist you

* Interest rates and Annual Percentage Yields (APY) are accurate as of 04/02/2018 and are subject to change without notice. Fees could reduce earnings on the account. The APY on all certificates assumes that principal and interest will remain on deposit until maturity. A withdrawal will reduce earnings. A penalty may be imposed for early withdrawal.  $1,000 Minimum balance to open an account.