Bank · FDIC insured
First National Bank Savings Rates
First National Bank’s best savings rate is 0.25% APY on $10,000, with its Regular Savings Account. Rates checked October 22, 2026.
How First National Bank’s savings 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
0.25%APY
- Requires
- None
- Minimum
- $10
- Earns on $10,000 a year
- $25
Regular Savings Account
Top rate
First Service Bank
4.64%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $464
2nd-highest rate
Gateway Bank
4.08%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $408
First National Bank savings score
71
Savings score
Higher than 29% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.25%
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 ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Regular Savings Account
0.25%APY
Requires a $10 minimum opening deposit. $3 quarterly maintenance fee applies if the balance falls below $10. Interest is compounded and paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upMinimum balance of $10 required to earn the APY. $3 quarterly maintenance fee if balance falls below $10.$10 and up | 0.25% | $25 | Minimum balance of $10 required to earn the APY. $3 quarterly maintenance fee if balance falls below $10. |
Sources (3)
- fnbank.net/personal/accounts/rates
- fnbank.net/personal/accounts/savings
- fnbank.net/regular-savings-account
All captured Oct 4, 2026
Working Money Account
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.00% | — |
| $5,000 – $25,000 | 0.10% | $10 |
| $25,000 – $50,000 | 0.15% | — |
| $50,000 and up | 0.20% | — |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
Health Savings Account
0.25%APY
Must be covered under an HSA-eligible high-deductible health plan (HDHP), not covered by another health plan, not enrolled in Medicare, and not eligible to be claimed as a dependent. No monthly maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upNo monthly maintenance fees. Minimum balance of $100 required to earn the APY.$100 and up | 0.25% | $25 | No monthly maintenance fees. Minimum balance of $100 required to earn the APY. |
Sources (3)
- fnbank.net/health-savings-account
- fnbank.net/personal/accounts/rates
- fnbank.net/personal/accounts/savings
All captured Oct 4, 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.