High-Yield Savings Account | Grow Your Savings
A High-Yield Savings Account (HYSA) from First National Bank of America (FNBA) lets you earn significantly more on your deposits than a traditional savings account — currently up to 3.51% APY — while keeping your funds safe, accessible, and FDIC insured up to $250,000. Whether you’re building an emergency fund, saving for a major purchase, or simply looking for a smarter place to park your cash, FNBA’s High-Yield Savings Account combines competitive interest rates, no unnecessary fees, and a low $1,000 minimum opening balance — all with the convenience of opening your account entirely online in less than five minutes. As an FDIC-member bank with decades of experience serving personal banking customers, FNBA gives you the confidence of a trusted institution with the earning power typically reserved for much larger deposits.
Big bank rates. Community bank trust. Only at FNBA.
Save Smarter
Earn More
FDIC Insured
Earn More with One of the Best High-Yield Savings Account Rates Available Online
Why Choose FNBA’s High-Yield Savings Account?
Whether you’re building an emergency fund, saving for a down payment, or growing long-term wealth, FNBA’s High-Yield Savings Account delivers the competitive APY, low fees, and online convenience that today’s savers expect — backed by a federally insured, trusted community bank.
Earn up to 3.51% APY
Rates that consistently outpace the national savings account average.
Open with as little as $1,000
A $1,000 minimum means more people can access high-yield rates typically reserved for larger balances.
Keep more of what you earn
Maintain a $1,000 daily balance and pay zero monthly maintenance fees – keep you interest working for you.
FDIC Insured up to $250,000
Your deposits are fully protected, giving you the security of a federally backed financial institution.
Bank Anytime, Anywhere
Access and manage your account 24/7 through FNBA’s online banking portal or mobile app.
See the rates available in your area
High-Yield Savings vs. Money Market
Both High-Yield Savings Accounts and Money Market Accounts offer better interest rates than a standard savings account – but they serve different needs. Here’s how to decide which one is right for you.
High-Yield Savings Account
Best for savers who want to maximize interest earnings and don’t need frequent access to their funds.
- Pays more interest than a traditional savings account
- Great for using as your Emergency Fund
- Limited access to funds
- No debit card linked to the account
Money Market Account
Best for those who want flexibility and easy access to cash alongside a competitive rate.
- Check writing ability
- Debit Card linked directly to your account
- Easier Access to your cash
- Typically has a lower interest rate than a High-Yield Savings
Open Your High-Yield Savings Account Today!
View our Frequently Asked Questions for more information or reach out to one of our account experts at 833-668-1003.
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 3.51% 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 3.51% 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 $1,000 for the statement cycle period.