Bank · FDIC insured
First National Bank of Commerce CD Rates
First National Bank of Commerce’s best CD rate is 4.06% APY on a 3-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How First National Bank of Commerce’s CD rates compare
Compared with banks and credit unions near Jonesboro, AR, where First National Bank of Commerce has the most branches. $10,000, best rate first.
This bank’s best
First National Bank of Commerce
4.06%APY
- Term
- 3 months
- Minimum
- $1,000
- Earns on $10,000
- $100
Certificate of Deposit
Top rate
Arkansas Federal Credit Union
4.50%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $450
2nd-highest rate
First Community Bank
4.45%APY
- Term
- 14 months
- Minimum
- $500
- Earns on $10,000
- $521
First National Bank of Commerce CD score
77
CD score
Higher than 44% of U.S. banks and credit unions
- 3–8 months3–8 mo3.19%
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo3.44%
- 31–60 months31–60 mo3.55%
- 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 Commerce 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.
CDARS
Up to 4.16%APY · 4 terms
CDARS allows receiving full FDIC insurance on deposit amounts larger than $100,000.00. Earn one rate on your entire investment. To learn more, talk to a Customer Service Representative. Fees could reduce earnings. A penalty will or may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsFees could reduce earnings on an account. A penalty will or may be imposed for early withdrawal | 4.16% | $102 |
| 6 monthsFees could reduce earnings on an account. A penalty will or may be imposed for early withdrawal | 3.29% | $163 |
| 12 monthsFees could reduce earnings on an account. A penalty will or may be imposed for early withdrawal | 3.65% | $365 |
| 36 monthsFees could reduce earnings on an account. A penalty will or may be imposed for early withdrawal | 3.60% | $1,119 |
Sources (2)
All captured Oct 15, 2026
Certificate of Deposit
Up to 4.06%APY · 9 terms
Rates fixed during term; established weekly. Accounts automatically renew at maturity at the rate in effect at maturity. Early withdrawal penalties may apply. Interest compounded quarterly or monthly check only if over $50.00; no monthly compounding on any CD. For balances over $250,000.01, please see an officer.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 4.06% | $100 |
| 6 months | 3.19% | $158 |
| 10 months | 3.24% | $269 |
| 12 months | 3.55% | $355 |
| 18 months | 3.34% | $505 |
| 24 months | 3.39% | $689 |
| 30 months | 3.44% | $882 |
| 36 months | 3.49% | $1,084 |
| 60 months | 3.55% | $1,906 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Guaranteed - Fixed
3.35%APY
Interest compounded monthly. Fixed rate. A penalty will or may be imposed for early withdrawal. Bank does not solicit accounts outside market area. No monthly service charge.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest compounded monthly. Fixed rate. No monthly service charge.Any balance | 3.35% | $335 | Interest compounded monthly. Fixed rate. No monthly service charge. |
Sources (2)
All captured Oct 15, 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.