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 | 3.94% | 4.00% |
| 6 Month | 3.94% | 4.00% |
| 7 Month | 4.14% | 4.20% |
| 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 | 3.84% | 3.90% |
| 84 Month | 3.84% | 3.90% |
| 96 Month | 3.84% | 3.90% |
| 108 Month | 3.84% | 3.90% |
| 120 Month | 3.84% | 3.90% |
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.
Elevate Checking is a tiered, variable-rate account with a minimum opening deposit of $5,000 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 card purchase transactions on this account during the statement cycle, (2) maintain at least a $1,000 average daily balance in the account, (3) receive an aggregate of $1,000 or more of new money during the statement cycle in recurring direct deposits to the account, (4) be enrolled in and receive monthly e-Statements, and (5) 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; 2.00% APY will apply to balances of $20,000.00-$50,000.00; 2.25% APY will apply to balances of $50,000.00 – $100,000.00; 2.50% APY will apply to balances of $100,000.00 – $1,000,000.00 and an APY of 2.60% for balances of $1,000,000.00 or higher. 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 an Average Daily Balance Method. The Average Daily Balance Method applies a periodic rate to the average daily balance in the account for the Statement Cycle. The average daily balance is calculated by adding the balance in the account for each day of the Statement Cycle and dividing by the number of days in the Statement Cycle. General information: All Elevate Checking Accounts in which reward qualifications are not met will earn 0.01% APY for the entire balance. If you close your account before interest is paid, you may not receive the accrued interest. Only one Elevate Checking per Social Security number.