Bank · FDIC insured
First National Bank CD Rates
First National Bank’s best CD rate is 4.35% APY on a 13-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How First National Bank’s CD rates compare
Compared with banks and credit unions near Little Rock, AR, where First National Bank has the most branches. $10,000, best rate first.
This bank’s best
First National Bank
4.35%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $472
Certificates of Deposit
Top rate
Hurricane Creek Federal Credit Union
4.50%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $450
2nd-highest rate
Arkansas Federal Credit Union
4.50%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $450
First National Bank CD score
79
CD score
Higher than 50% of U.S. banks and credit unions
- 3–8 months3–8 mo1.00%
- 9–15 months9–15 mo4.35%
- 16–30 months16–30 mo2.10%
- 31–60 months31–60 mo2.64%
- QualifiedQualified4.35%
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 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 4.35%APY · 8 terms
Penalty for early withdrawal. Partial withdrawals permitted with penalty on amount withdrawn. Interest is compounded every 6 months. Daily balance method used. No fee for CDs.
| Term | APY · $1,000 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsPenalty for early withdrawal. Interest compounded every 6 months | — | 0.95% | 0.95% | $24 |
| 6 monthsPenalty for early withdrawal. Interest compounded every 6 months | 1.00% | — | 1.00% | $50 |
| 12 monthsPenalty for early withdrawal. Interest compounded every 6 months | 2.00% | — | 2.00% | $200 |
| 13 monthsCD Special / All CD Offerings. Penalty for early withdrawal. Interest compounded every 6 months | 4.35% | — | 4.35% | $472 |
| 18 monthsPenalty for early withdrawal. Interest compounded every 6 months | 1.90% | — | 1.90% | $286 |
| 24 monthsPenalty for early withdrawal. Interest compounded every 6 months | 2.10% | — | 2.10% | $424 |
| 36 monthsPenalty for early withdrawal. Interest compounded every 6 months | 2.34% | — | 2.34% | $719 |
| 60 monthsPenalty for early withdrawal. Interest compounded every 6 months | 2.64% | — | 2.64% | $1,392 |
Sources (2)
All captured Sep 24, 2026
Special-purpose accounts
IRA Certificates of Deposit
Up to 4.35%APY · 8 terms
Available as Traditional, Roth, or SEP IRA. Penalty for early withdrawal. Interest compounded every 6 months. Daily balance method used. No monthly or annual fees.
| Term | APY · $1,000 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsAvailable as an IRA account. Penalty for early withdrawal. Interest compounded every 6 months | — | 0.95% | 0.95% | $24 |
| 6 monthsAvailable as an IRA account. Penalty for early withdrawal. Interest compounded every 6 months | 1.00% | — | 1.00% | $50 |
| 12 monthsAvailable as an IRA account. Penalty for early withdrawal. Interest compounded every 6 months | 2.00% | — | 2.00% | $200 |
| 13 monthsAvailable as an IRA account. Penalty for early withdrawal. Interest compounded every 6 months | 4.35% | — | 4.35% | $472 |
| 18 monthsAvailable as an IRA account. Penalty for early withdrawal. Interest compounded every 6 months | 1.90% | — | 1.90% | $286 |
| 24 monthsAvailable as an IRA account. Penalty for early withdrawal. Interest compounded every 6 months | 2.10% | — | 2.10% | $424 |
| 36 monthsAvailable as an IRA account. Penalty for early withdrawal. Interest compounded every 6 months | 2.34% | — | 2.34% | $719 |
| 60 monthsAvailable as an IRA account. Penalty for early withdrawal. Interest compounded every 6 months | 2.64% | — | 2.64% | $1,392 |
Sources (2)
All captured Sep 24, 2026
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.