Bank · FDIC insured
First National Bank CD Rates
First National Bank’s best CD rate is 3.80% APY on an 18-month CD. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How First National Bank’s CD rates compare
Compared with banks and credit unions near Alamogordo, NM, where First National Bank has the most branches. $10,000, best rate first.
This bank’s best
First National Bank
3.80%APY
- Term
- 18–29 months
- Requires
- None
- Minimum
- $100
- Earns on $10,000
- —
Certificate of Deposit
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
WaFd Bank
4.10%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $445
First National Bank CD score
82
CD score
Higher than 59% of U.S. banks and credit unions
- 3–8 months3–8 mo3.53%
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo3.80%
- 31–60 months31–60 mo3.54%
- QualifiedQualified3.80%
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.
Certificate of Deposit
Up to 3.80%APY · 7 terms
A penalty may be imposed for early withdrawal. APY on certificates of deposit with term lengths indicated in a range of days/months is calculated on the maximum term length.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–12 monthsTerm is 180-364 days. APY calculated on 364 days. Early withdrawal penalty may apply | 3.53% | $175 |
| 12–17 monthsTerm is 12-17 months. APY calculated on maximum term length. Early withdrawal penalty may apply | 3.55% | $355 |
| 18–29 monthsTerm is 18-29 months. APY calculated on maximum term length. Early withdrawal penalty may apply | 3.80% | $575 |
| 30–35 monthsTerm is 30-35 months. APY calculated on maximum term length. Early withdrawal penalty may apply | 3.80% | $977 |
| 36–47 monthsTerm is 36-47 months. APY calculated on maximum term length. Early withdrawal penalty may apply | 3.54% | $1,100 |
| 48–59 monthsTerm is 48-59 months. APY calculated on maximum term length. Early withdrawal penalty may apply | 3.29% | $1,382 |
| 60 monthsEarly withdrawal penalty may apply | 3.29% | $1,757 |
Sources (1)
- fnb4u.com/personal/deposit-rates · captured Oct 3, 2026
30 Month Bump Certificate
3.29%APY · 1 term
A penalty may be imposed for early withdrawal. The interest rate and annual percentage yield may change after account opening.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 30 monthsEarly withdrawal penalty may apply. Interest rate and APY may change after account opening | 3.29% | $843 |
Sources (1)
- fnb4u.com/personal/deposit-rates · captured Oct 3, 2026
19 Month No Penalty Certificate
2.63%APY · 1 term
Requires 10 day written notice for no penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 19 monthsRequires 10 day written notice for no penalty | 2.63% | $420 |
Sources (1)
- fnb4u.com/personal/deposit-rates · captured Oct 3, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 3.79%APY · 3 terms
Includes Traditional and Roth IRA certificates. A penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsApplies to IRA 12 Month and ROTH 12 Month certificates. Early withdrawal penalty may apply | 3.53% | $353 |
| 18 monthsApplies to IRA 18 Month and ROTH 18 Month certificates. Early withdrawal penalty may apply | 3.79% | $574 |
| 36 monthsApplies to IRA 36 Month and ROTH 36 Month certificates. Early withdrawal penalty may apply | 3.53% | $1,097 |
Sources (1)
- fnb4u.com/personal/deposit-rates · captured Oct 3, 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.