Bank · FDIC insured
First National Bank of America Savings Rates
First National Bank of America’s best savings rate is 4.20% APY on $10,000, with its High Yield Savings Promotion. Rates checked October 16, 2026.
How First National Bank of America’s savings rates compare
Compared with banks and credit unions near Grand Rapids, MI, where First National Bank of America has the most branches. $10,000, best rate first.
This bank’s best
First National Bank of America
4.20%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $420
High Yield Savings Promotion
Top rate
Ignite Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $500
3rd-highest rate
Flagstar Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
First National Bank of America savings score
96
Savings score
Higher than 99% of U.S. banks and credit unions
- $1,000 balance$1,0004.20%
- $10,000 balance$10,0004.20%
- $100,000 balance$100,0004.20%
- QualifiedQualified4.20%
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 of America 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.
High Yield Savings Promotion
Up to 4.20%APY
Promotional rate available to new accounts only for the first 6 months from date of account opening on new money (funds deposited from external source not held at FNBA within the last 30 days). Tiered variable-rate account. After promotion period ends, Platinum HYSA rates apply. Entire balance earns the applicable tier rate.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balancePromotional rate applies to all balances for the first 6 months when bringing new money to FNBA. | 4.20% | $420 | Promotional rate applies to all balances for the first 6 months when bringing new money to FNBA. |
| Up to $250,000Promotional rate tier for balances $250,000 or Less. Entire balance earns the applicable tier rate. | 3.60% | $360 | Promotional rate tier for balances $250,000 or Less. Entire balance earns the applicable tier rate. |
| Over $250,000Promotional rate tier for balances greater than $250,000. Entire balance earns the applicable tier rate. | 3.86% | — | Promotional rate tier for balances greater than $250,000. Entire balance earns the applicable tier rate. |
Sources (3)
All captured Oct 9, 2026
Platinum High Yield Savings
3.00%APY
Tiered, variable-rate savings account available to new FNBA customers with a minimum opening deposit of $1,000. Existing FNBA customers can convert their standard HYSA to Platinum HYSA by depositing a one-time lump sum of $20,000 of new money by December 31, 2026. Entire balance earns tier rate. $10 monthly service fee assessed if a minimum balance of $1,000 is not maintained.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $250,000Rate for account balances up to $250,000. Entire balance earns tier rate. $10 monthly service fee if balance falls below $1,000. | 3.00% | $300 | Rate for account balances up to $250,000. Entire balance earns tier rate. $10 monthly service fee if balance falls below $1,000. |
| Over $250,000Rate for account balances greater than $250,000. Entire balance earns tier rate. $10 monthly service fee if balance falls below $1,000. | 3.51% | — | Rate for account balances greater than $250,000. Entire balance earns tier rate. $10 monthly service fee if balance falls below $1,000. |
Sources (2)
All captured Oct 9, 2026
Standard High Yield Savings
2.50%APY
Tiered, variable-rate account with a minimum opening deposit of $1,000. The APY for the applicable tier applies to the entire account balance. $10 monthly service fee assessed if a minimum balance of $1,000 is not maintained.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Balances up to $50,000 earn 2.50% APY. The APY for the applicable tier applies to the entire account balance. $10 monthly service fee assessed if minimum balance of $1,000 is not maintained. | 2.50% | $250 | Balances up to $50,000 earn 2.50% APY. The APY for the applicable tier applies to the entire account balance. $10 monthly service fee assessed if minimum balance of $1,000 is not maintained. |
| $50,000 – $250,000Balances over $50,000 and up to $250,000 earn 3.00% APY ($250,000 or Less standard rate is 2.96% Interest Rate / 3.00% APY). Entire balance earns tier rate. $10 monthly service fee if minimum balance of $1,000 is not maintained. | 3.00% | — | Balances over $50,000 and up to $250,000 earn 3.00% APY ($250,000 or Less standard rate is 2.96% Interest Rate / 3.00% APY). Entire balance earns tier rate. $10 monthly service fee if minimum balance of $1,000 is not maintained. |
| Over $250,000Balances over $250,000 earn 3.45% Interest Rate / 3.51% APY. The APY for the applicable tier applies to the entire account balance. $10 monthly service fee if minimum balance of $1,000 is not maintained. | 3.51% | — | Balances over $250,000 earn 3.45% Interest Rate / 3.51% APY. The APY for the applicable tier applies to the entire account balance. $10 monthly service fee if minimum balance of $1,000 is not maintained. |
Sources (3)
All captured Oct 16, 2026
Statement Savings
0.25%APY
Offers a simple way to build savings with an ATM card usable at over 55,000 surcharge-free ATMs. Requires a $199 minimum average balance per statement cycle to avoid service fees. Transaction limits apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRequires a $199 minimum average balance per statement cycle to avoid service fees.Any balance | 0.25% | $25 | Requires a $199 minimum average balance per statement cycle to avoid service fees. |
Special-purpose accounts
High-Yield HSA Savings
2.25%APY
Available to Michigan residents meeting IRS eligibility requirements. Must be opened in person at branch locations in East Lansing, Grand Rapids, or Traverse City. Variable rate tiered account. Entire balance earns the applicable tier rate. Promotional and Platinum rates are not available.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $20,000Standard High Yield HSA rate for balances $20,000 or less. Entire balance earns the tier rate. | 2.25% | $225 | Standard High Yield HSA rate for balances $20,000 or less. Entire balance earns the tier rate. |
| $20,000 – $50,000Standard High Yield HSA rate for balances greater than $20,000 up to $50,000. Entire balance earns the tier rate. | 2.50% | — | Standard High Yield HSA rate for balances greater than $20,000 up to $50,000. Entire balance earns the tier rate. |
| $50,000 – $100,000Standard High Yield HSA rate for balances greater than $50,000 up to $100,000. Entire balance earns the tier rate. | 2.75% | — | Standard High Yield HSA rate for balances greater than $50,000 up to $100,000. Entire balance earns the tier rate. |
| $100,000 – $250,000Standard High Yield HSA rate for balances greater than $100,000 up to $250,000. Entire balance earns the tier rate. | 3.00% | — | Standard High Yield HSA rate for balances greater than $100,000 up to $250,000. Entire balance earns the tier rate. |
| Over $250,000Standard High Yield HSA rate for balances greater than $250,000. Entire balance earns the tier rate. | 3.51% | — | Standard High Yield HSA rate for balances greater than $250,000. Entire balance earns the tier rate. |
Sources (3)
All captured Oct 9, 2026
Health Savings
0.30%APY
Traditional HSA savings option available in-branch.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.30% | $30 |
Sources (1)
- fnba.com/deposit-rates/east-lansing · captured Oct 9, 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.