Bank · FDIC insured
First National Bank of Ava CD Rates
First National Bank of Ava’s best CD rate is 3.55% APY on a 1-year CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How First National Bank of Ava’s CD rates compare
Compared with banks and credit unions near Carbondale, IL, where First National Bank of Ava has the most branches. $10,000, best rate first.
This bank’s best
First National Bank of Ava
3.55%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $355
Certificates of Deposit
Top rate
Banterra Bank
4.40%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,379
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
First National Bank of Ava CD score
73
CD score
Higher than 34% of U.S. banks and credit unions
- 3–8 months3–8 mo3.29%
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo3.54%
- 31–60 months31–60 mo2.52%
- QualifiedQualified3.55%
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 Ava 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.
Certificates of Deposit
Up to 3.55%APY · 12 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.29% | $163 |
| 9 months | 0.85% | $64 |
| 12 months | 3.55% | $355 |
| 15 months | 1.05% | $131 |
| 18 months | 3.54% | $536 |
| 21 months | 1.51% | $266 |
| 24 months | 2.78% | $564 |
| 30 months | 1.25% | $315 |
| 36 months | 2.27% | $697 |
| 39 months | 1.36% | $449 |
| 48 months | 2.27% | $939 |
| 60 months | 2.52% | $1,325 |
Sources (1)
- fnbava.bank/deposits · captured Sep 17, 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.