Bank · FDIC insured
First National Bank of Grayson CD Rates
First National Bank of Grayson’s best CD rate is 2.25% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How First National Bank of Grayson’s CD rates compare
Compared with banks and credit unions near Huntington, WV-KY-OH, where First National Bank of Grayson has the most branches. $10,000, best rate first.
This bank’s best
First National Bank of Grayson
2.00%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $612
Certificates
Top rate
UK Credit Union
5.00%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $373
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
First National Bank of Grayson CD score
62
CD score
Higher than 7% of U.S. banks and credit unions
- 3–8 months3–8 mo0.95%
- 9–15 months9–15 mo1.50%
- 16–30 months16–30 mo1.75%
- 31–60 months31–60 mo2.00%
- QualifiedQualified2.00%
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 Grayson 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.
JUMBO CD'S
Up to 2.25%APY · 7 terms
Early close/withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly close/withdrawal penalty applies | 1.25% | — |
| 6 monthsEarly close/withdrawal penalty applies | 2.00% | — |
| 12 monthsEarly close/withdrawal penalty applies | 2.25% | — |
| 24 monthsBump certificate feature. Early close/withdrawal penalty applies | 2.00% | — |
| 24 monthsEarly close/withdrawal penalty applies | 2.25% | — |
| 36 monthsBump certificate feature. Early close/withdrawal penalty applies | 2.00% | — |
| 36 monthsEarly close/withdrawal penalty applies | 2.25% | — |
| 48 monthsEarly close/withdrawal penalty applies | 2.00% | — |
| 60 monthsEarly close/withdrawal penalty applies | 2.00% | — |
Sources (1)
- fnbgrayson.com/services/ratesheet · captured Oct 5, 2026
Certificates
Up to 2.00%APY · 7 terms
Early close/withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly close/withdrawal penalty applies | 0.45% | $11 |
| 6 monthsEarly close/withdrawal penalty applies | 0.95% | $47 |
| 12 monthsEarly close/withdrawal penalty applies | 1.50% | $150 |
| 24 monthsBump certificate feature. Early close/withdrawal penalty applies | 1.50% | $302 |
| 24 monthsEarly close/withdrawal penalty applies | 1.75% | $353 |
| 36 monthsBump certificate feature. Early close/withdrawal penalty applies | 1.50% | $457 |
| 36 monthsEarly close/withdrawal penalty applies | 2.00% | $612 |
| 48 monthsEarly close/withdrawal penalty applies | 1.50% | $614 |
| 60 monthsEarly close/withdrawal penalty applies | 1.25% | $641 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
JUMBO IRA'S
Up to 2.25%APY · 5 terms
Early close/withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly close/withdrawal penalty applies | 2.00% | — |
| 12 monthsEarly close/withdrawal penalty applies | 2.25% | — |
| 24 monthsBump IRA feature. Early close/withdrawal penalty applies | 2.00% | — |
| 24 monthsEarly close/withdrawal penalty applies | 2.25% | — |
| 36 monthsBump IRA feature. Early close/withdrawal penalty applies | 2.00% | — |
| 36 monthsEarly close/withdrawal penalty applies | 2.25% | — |
| 48 monthsEarly close/withdrawal penalty applies | 2.00% | — |
Sources (1)
- fnbgrayson.com/services/ratesheet · captured Oct 5, 2026
IRA
Up to 1.75%APY · 5 terms
Early close/withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly close/withdrawal penalty applies | 0.95% | $47 |
| 12 monthsEarly close/withdrawal penalty applies | 1.25% | $125 |
| 24 monthsBump IRA feature. Early close/withdrawal penalty applies | 1.25% | $252 |
| 24 monthsEarly close/withdrawal penalty applies | 1.75% | $353 |
| 36 monthsBump IRA feature. Early close/withdrawal penalty applies | 1.25% | $380 |
| 36 monthsEarly close/withdrawal penalty applies | 1.75% | $534 |
| 48 monthsEarly close/withdrawal penalty applies | 1.50% | $614 |
Sources (1)
- fnbgrayson.com/services/ratesheet · captured Oct 5, 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.