Bank · FDIC insured
First National Bank CD Rates
First National Bank’s best CD rate is 3.91% APY on an 18-month CD. Terms run from 3 months to 49 months. Rates checked October 16, 2026.
How First National Bank’s CD rates compare
Compared with banks and credit unions near Des Moines, IA, where First National Bank has the most branches. $10,000, best rate first.
This bank’s best
First National Bank
3.65%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $552
Special Term CDs
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
Union State Bank
4.61%APY
- Term
- 27 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $1,067
First National Bank CD score
73
CD score
Higher than 34% of U.S. banks and credit unions
- 3–8 months3–8 mo3.19%
- 9–15 months9–15 mo3.39%
- 16–30 months16–30 mo3.65%
- 31–60 months31–60 mo2.63%
- QualifiedQualified3.65%
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.
Special Term CDs
Up to 3.65%APY · 3 terms
| Term | APY · $10,000 and up | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 3.19% | 3.44% | 3.19%3.44% from $25k | $79 |
| 9 months | 3.39% | 3.65% | 3.39%3.65% from $25k | $253 |
| 18 months | 3.65% | 3.91% | 3.65%3.91% from $25k | $552 |
Sources (1)
- fnb247.com/deposit-rates · captured Oct 16, 2026
Standard Term CDs
Up to 2.63%APY · 6 terms
| Term | APY · $1,000 and up | APY · $10,000 and up | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3–5 months | 2.12% | 2.22% | 2.32% | 2.12%2.22% from $10k2.32% from $25k | $53 |
| 6–12 months | 2.12% | 2.22% | 2.32% | 2.12%2.22% from $10k2.32% from $25k | $105 |
| 13–24 months | 2.22% | 2.32% | 2.42% | 2.22%2.32% from $10k2.42% from $25k | $241 |
| 25–36 months | 2.32% | 2.42% | 2.52% | 2.32%2.42% from $10k2.52% from $25k | $489 |
| 37–48 months | 2.42% | 2.52% | 2.63% | 2.42%2.52% from $10k2.63% from $25k | $765 |
| 49–60 months | 2.52% | 2.63% | 2.73% | 2.52%2.63% from $10k2.73% from $25k | $1,070 |
Sources (1)
- fnb247.com/deposit-rates · captured Oct 16, 2026
Add it Up CD
Up to 2.32%APY · 1 term
| Term | APY · $100 and up | APY · $1,000 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 24 months | 1.96% | 2.22% | 2.32% | 1.96%2.22% from $1k2.32% from $10k | $396 |
Sources (1)
- fnb247.com/deposit-rates · captured Oct 16, 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.