First National Bank CD Rates for 2025
Review
Updated
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First National Bank CD rates are near rock-bottom for most of its CD products, but certain "special" terms have APYs that can compete with the best CDs on the market. While these special CDs have requirements -- like a First National Bank checking account -- they might be worthwhile for existing First National Bank clients.
If you're looking to earn high interest on your savings, find out if First National Bank CDs are right for your money in this expert review.
APY = Annual Percentage Yield
First National Bank offers a variety of CD terms and types. While its standard CD rates are generally low, its special CD rates may be worth a look -- but they do require a much larger minimum deposit to open.
| 3 Mo. APY | 6 Mo. APY | 1 Yr. APY | 1.5 Yr. APY | 2 Yr. APY | 3 Yr. APY | 4 Yr. APY | 5 Yr. APY |
|---|---|---|---|---|---|---|---|
| 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.50% |
APY = Annual Percentage Yield
Some of First National Bank's Special CD rates are pretty competitive, particularly for its shorter terms. These CDs require a much higher minimum deposit of $5,000, however, and its 5-month and 7-month special CD require a whopping $10,000 minimum to open.
| 5 Mo. APY | 7 Mo. APY | 13 Mo. APY | 19 Mo. APY | 25 Mo. APY | 35 Mo. APY | 52 Mo. APY | 61 Mo. APY |
|---|---|---|---|---|---|---|---|
| 4.00% | 4.00% | 3.75% | 3.00% | 3.00% | 3.00% | 3.00% | 3.00% |
A high-interest savings account offers rates competitive with the best CDs accounts, but without having to lock your money away for months or even years at a time. Here are some top-rated high-yield savings account options from our experts.
| Account | APY | Promotion | Next Steps |
|---|---|---|---|
Open Account for SoFi Checking and Savings
On SoFi's Secure Website.
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
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We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
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= Good
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up to 3.80%
Rate info
SoFi members who enroll in SoFi Plus with Eligible Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or SoFi members with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. If you have satisfied Eligible Direct Deposit requirements for our highest APY but do not see 3.80% APY on your APY Details page the day after your Eligible Direct Deposit arrives, please contact us at 855-456-7634. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus.
Min. to earn: $0
|
New customers can earn up to a $300 bonus with qualifying direct deposits!
|
Open Account for SoFi Checking and Savings
On SoFi's Secure Website. |
Open Account for Capital One 360 Performance Savings
On Capital One's Secure Website.
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
3.60%
Rate info
See Capital One website for most up-to-date rates. Advertised Annual Percentage Yield (APY) is variable and accurate as of April 8, 2025. Rates are subject to change at any time before or after account opening.
Min. to earn: $0
|
N/A
|
Open Account for Capital One 360 Performance Savings
On Capital One's Secure Website. |
Open Account for Barclays Tiered Savings
On Barclays' Secure Website.
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
4.00%
Rate info
Balances less than $250,000 earn 4.00%, and balances greater than $250,000 earn 4.20%.
Min. to earn: $0
|
N/A
|
Open Account for Barclays Tiered Savings
On Barclays' Secure Website. |
First National Bank has decent rates for some of its special CDs, but its standard CDs are shockingly low. For comparison, here's how the bank stacks up against other CD providers.
| Bank & CD Offer | APY | Term | Min. Deposit | Next Steps |
|---|---|---|---|---|
|
APY:
4.10%
|
Term:
14 Months
|
Min. Deposit:
$500
|
Open Account for
On LendingClub's Secure Website. |
|
|
APY:
4.00%
|
Term:
1 Year
|
Min. Deposit:
$0
|
Open Account for
On Discover Bank's Secure Website. |
|
|
APY:
4.00%
|
Term:
6 Months
|
Min. Deposit:
$1
|
Open Account for
On Raisin's Secure Website. |
First National Bank has several kinds of certificates of deposit (CDs). Below, we'll delve deeper into its two most popular certificates of deposit: its standard CDs and its special offers.
First National Bank's standard CD terms range from three to 60 months and require a minimum deposit of only $500. Interest earned on your CD will compound and be credited to your account quarterly. Better yet, First National Bank can even pay this interest to you before your CD matures, either at a check or as a deposit into another First National Bank account.
Although First National Banks are pretty easy going, their annual percentage yields (APYs) are nothing to get excited about. No matter what CD term you select, your rate remains pretty low and not at all competitive. Considering that the best CDs currently boast APYs five times higher than these, your savings are likely better off with another CD product.
APY = Annual Percentage Yield
First National Bank offers a variety of "special" CD terms. These CDs have higher APYs than the bank's standard offerings, though they also have higher minimums, too. For example, its 7-month special CD has a 4.00% APY, but requires a $10,000 minimum balance. Likewise, its 13-month special CD has a 3.75% APY but requires $5,000 to snag that special rate. The rest of its special CDs have significantly lower APYs, with minimum balances required of $5,000.
In addition to the minimum deposit, these CDs require you to open a First National Bank consumer or business checking account. If you already have a checking account with this bank, you may need new money to meet the minimum requirement for a CD. For example, if you have $10,000 in your First National Bank checking account, you might need another $10,000 to open a 7-month CD.
Both the 7-month and 13-month terms have competitive APYs. But don't think you have to bank with First National Bank to snag these rates. You can find higher APYs and lower minimum balances for comparable terms at other banks or on the financial marketplace Raisin.
APY = Annual Percentage Yield
First National Bank also offers the following CD accounts:
A First National Bank CD might be right for you if:
At Motley Fool Money, certificates of deposit (CDs) are rated primarily focusing on annual percentage yield (APY) and early withdrawal penalty fees. Our highest-rated CDs generally include competitive APYs without complex qualification tiers, low withdrawal fees, reliable brand trust and reputation, and ease of use.
Learn more about how Motley Fool Money rates bank accounts.
You can find First National Bank in Maryland, North Carolina, Ohio, Pennsylvania, South Carolina, Virginia, and West Virginia. You can also find First National Bank in Washington D.C.
No. Although both offer similar CD products, they're different financial institutions.
For both the 7-month and 13-month special CDs, the promotional interest rate applies to up to $250,000.
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. Motley Fool Money does not cover all offers on the market. Motley Fool Money is 100% owned and operated by The Motley Fool. Our knowledgeable team of personal finance editors and analysts are employed by The Motley Fool and held to the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands. Terms may apply to offers listed on this page. APYs are subject to change at any time without notice.
