Bank · FDIC insured
First National Bank Savings Rates
First National Bank’s best savings rate is 0.25% APY on $10,000, with its Personal Savings. Rates checked October 22, 2026.
How First National Bank’s savings 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
0.25%APY
- Minimum
- $100
- Earns on $10,000 a year
- $25
Personal Savings
Top rate
WaFd Bank
3.82%APY
- Minimum
- $0
- Earns on $10,000 a year
- $382
2nd-highest rate
First National Bank Texas
2.00%APY
- Minimum
- $0
- Earns on $10,000 a year
- $200
First National Bank savings score
72
Savings score
Higher than 32% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.30%
- 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.
Money Market Personal Checking
0.20%APY
Tiered interest rate based on daily balance. $2,500.00 minimum opening deposit. $9.00 monthly service charge applies to balances $0 to $2,499.99 (earns no interest); monthly service charge waived for balances $2,500.00 and over. Interest rate and APY may change after account opening. Limit of 6 preauthorized withdrawals/transfers per statement cycle ($6.00 per excessive debit).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $10,000Rate applies to daily balance of $2,500 to $9,999.99. $2,500.00 minimum balance to obtain APY. Monthly fee of $9.00 is waived for balances of $2,500.00 and over. Variable rate. | 0.15% | — | Rate applies to daily balance of $2,500 to $9,999.99. $2,500.00 minimum balance to obtain APY. Monthly fee of $9.00 is waived for balances of $2,500.00 and over. Variable rate. |
| $10,000 – $25,000Rate applies to daily balance of $10,000 to $24,999.99. $10,000.00 minimum balance to obtain APY. Monthly fee of $9.00 is waived for balances of $2,500.00 and over. Variable rate. | 0.20% | $20 | Rate applies to daily balance of $10,000 to $24,999.99. $10,000.00 minimum balance to obtain APY. Monthly fee of $9.00 is waived for balances of $2,500.00 and over. Variable rate. |
| $25,000 – $50,000Rate applies to daily balance of $25,000 to $49,999.99. $25,000.00 minimum balance to obtain APY. Monthly fee of $9.00 is waived for balances of $2,500.00 and over. Variable rate. | 0.25% | — | Rate applies to daily balance of $25,000 to $49,999.99. $25,000.00 minimum balance to obtain APY. Monthly fee of $9.00 is waived for balances of $2,500.00 and over. Variable rate. |
| $50,000 and upRate applies to daily balance of $50,000 and Over. $50,000.00 minimum balance to obtain APY. Monthly fee of $9.00 is waived for balances of $2,500.00 and over. Variable rate. | 0.30% | — | Rate applies to daily balance of $50,000 and Over. $50,000.00 minimum balance to obtain APY. Monthly fee of $9.00 is waived for balances of $2,500.00 and over. Variable rate. |
Special-purpose accounts
Personal Savings
0.25%APY
Interest rate and APY may change after account opening. Service charge of $5.00 per quarter if average daily balance falls below $100.00 (no minimum balance requirement for children under 18 or individuals over 55).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upThe interest rate and annual percentage yield may change after account opening. Service charge of $5.00 per quarter if average daily balance falls below $100.00 (waived for under 18 or over 55). 6 withdrawals per calendar quarter ($2.00 per excess withdrawal).$100 and up | 0.25% | $25 | The interest rate and annual percentage yield may change after account opening. Service charge of $5.00 per quarter if average daily balance falls below $100.00 (waived for under 18 or over 55). 6 withdrawals per calendar quarter ($2.00 per excess withdrawal). |
Sources (2)
All captured Oct 3, 2026
X-Mas Club Savings
0.25%APY
The interest rate and annual percentage yield may change after account opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upThe interest rate and annual percentage yield may change after account opening.$10 and up | 0.25% | $25 | The interest rate and annual percentage yield may change after account opening. |
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.