Bank · FDIC insured
First National Bank and Trust CD Rates
First National Bank and Trust’s best CD rate is 3.25% APY on a 6-month CD. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How First National Bank and Trust’s CD rates compare
Compared with banks and credit unions near Mobile, AL, where First National Bank and Trust has the most branches. $10,000, best rate first.
This bank’s best
First National Bank and Trust
3.25%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $161
Certificates of Deposit
Top rate
United Bank
4.35%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $660
2nd-highest rate
All In Credit Union
4.33%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $656
First National Bank and Trust CD score
65
CD score
Higher than 14% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo3.00%
- 16–30 months16–30 mo2.25%
- 31–60 months31–60 mo0.60%
- QualifiedQualified3.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where First National Bank and Trust ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 3.25%APY · 8 terms
Maturities from 182 days to 60 months. Interest payable by check, direct deposit or compounding quarterly. A penalty may be imposed for withdrawals prior to maturity on CDs. Fees may reduce earnings. Advertised rates are subject to change at the bank's discretion.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months182 Day CD. Penalty may be imposed for early withdrawal | 3.25% | $161 |
| 9 months9 Month CD. Penalty may be imposed for early withdrawal | 3.00% | $224 |
| 12 months1 Year CD. Penalty may be imposed for early withdrawal | 2.75% | $275 |
| 18 months18 Month CD. Penalty may be imposed for early withdrawal | 2.25% | $339 |
| 24 months2 Year CD. Penalty may be imposed for early withdrawal | 2.00% | $404 |
| 36 months3 Year CD. Penalty may be imposed for early withdrawal | 0.35% | $105 |
| 48 months4 Year CD. Penalty may be imposed for early withdrawal | 0.45% | $181 |
| 60 months5 Year CD. Penalty may be imposed for early withdrawal | 0.60% | $304 |
Special-purpose accounts
IRA Certificate of Deposit
Up to 3.25%APY · 8 terms
All Certificate of Deposits are eligible for IRA investments. A penalty may be imposed for withdrawals prior to maturity on CDs. Fees may reduce earnings. Advertised rates are subject to change at the bank's discretion.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months182 Day CD eligible for IRA investment. Penalty may be imposed for early withdrawal | 3.25% | $161 |
| 9 months9 Month CD eligible for IRA investment. Penalty may be imposed for early withdrawal | 3.00% | $224 |
| 12 months1 Year CD eligible for IRA investment. Penalty may be imposed for early withdrawal | 2.75% | $275 |
| 18 months18 Month CD eligible for IRA investment. Penalty may be imposed for early withdrawal | 2.25% | $339 |
| 24 months2 Year CD eligible for IRA investment. Penalty may be imposed for early withdrawal | 2.00% | $404 |
| 36 months3 Year CD eligible for IRA investment. Penalty may be imposed for early withdrawal | 0.35% | $105 |
| 48 months4 Year CD eligible for IRA investment. Penalty may be imposed for early withdrawal | 0.45% | $181 |
| 60 months5 Year CD eligible for IRA investment. Penalty may be imposed for early withdrawal | 0.60% | $304 |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.