Bank · FDIC insured
First National Bank of Hereford CD Rates
First National Bank of Hereford’s best CD rate is 4.00% APY on a 1-year CD, with extra requirements. Terms run from 1 month to 2 years. Rates checked October 16, 2026.
How First National Bank of Hereford’s CD rates compare
Compared with banks and credit unions near Hereford, TX, where First National Bank of Hereford has the most branches. $10,000, best rate first.
This bank’s best
First National Bank of Hereford
4.00%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $400
Certificates of Deposit (CDs)
2nd-highest rate
Hereford Texas Federal Credit Union
3.82%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $189
3rd-highest rate
First National Bank Texas
3.75%APY
- Term
- 8 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $248
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit (CDs)
Up to 4.00%APY · 7 terms
Early withdrawals subject to penalty. No setup or maintenance fees.
| Term | APY · Up to $50,000 | APY · Any balance | APY · $50,000 – $100,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 1 month30 Day term, balance $50,000 - $100,000 | — | — | 3.56% | —3.56% $50k–$100k | — |
| 1 month30 Day term, balance Less than $50,000 | 3.56% | — | — | 3.56% | $29 |
| 1 month30 Day term, Jumbo balance | — | 3.56% | — | 3.56% | $29 |
| 2 months60 Day term, balance $50,000 - $100,000 | — | — | 3.55% | —3.55% $50k–$100k | — |
| 2 months60 Day term, balance Less than $50,000 | 3.55% | — | — | 3.55% | $58 |
| 2 months60 Day term, Jumbo balance | — | 3.55% | — | 3.55% | $58 |
| 3 months90 Day term, balance $50,000 - $100,000 | — | — | 3.55% | —3.55% $50k–$100k | — |
| 3 months90 Day term, balance Less than $50,000 | 3.55% | — | — | 3.55% | $88 |
| 3 months90 Day term, Jumbo balance | — | 3.55% | — | 3.55% | $88 |
| 6 months180 Day term, balance $50,000 - $100,000 | — | — | 3.79% | —3.79% $50k–$100k | — |
| 6 months180 Day term, balance Less than $50,000 | 3.79% | — | — | 3.79% | $188 |
| 6 months180 Day term, Jumbo balance | — | 3.79% | — | 3.79% | $188 |
| 12 months365 Day term, balance $50,000 - $100,000 | — | — | 4.00% | —4.00% $50k–$100k | — |
| 12 months365 Day term, balance Less than $50,000 | 4.00% | — | — | 4.00% | $400 |
| 12 months365 Day term, Jumbo balance | — | 4.00% | — | 4.00% | $400 |
| 18 months18 Month "Raise Your Rate" with transaction account; balance $50,000 - $100,000; ability to step the rate up to the current 18 month maturity market rate ONE time during the life of the CD | — | — | 3.96% | —3.96% $50k–$100k | — |
| 18 months18 Month "Raise Your Rate" with transaction account; balance Less than $50,000; ability to step the rate up to the current 18 month maturity market rate ONE time during the life of the CD | 3.96% | — | — | 3.96% | $600 |
| 18 months18 Month "Raise Your Rate" with transaction account; Jumbo balance; ability to step the rate up to the current 18 month maturity market rate ONE time during the life of the CD | — | 3.96% | — | 3.96% | $600 |
| 18 months18 Month "Raise Your Rate" without transaction account; balance $50,000 - $100,000; ability to step the rate up to the current 18 month maturity market rate ONE time during the life of the CD | — | — | 3.72% | —3.72% $50k–$100k | — |
| 18 months18 Month "Raise Your Rate" without transaction account; balance Less than $50,000; ability to step the rate up to the current 18 month maturity market rate ONE time during the life of the CD | 3.72% | — | — | 3.72% | $563 |
| 18 months18 Month "Raise Your Rate" without transaction account; Jumbo balance; ability to step the rate up to the current 18 month maturity market rate ONE time during the life of the CD | — | 3.72% | — | 3.72% | $563 |
| 24 months2 Year term, balance $50,000 - $100,000 | — | — | 3.53% | —3.53% $50k–$100k | — |
| 24 months2 Year term, balance Less than $50,000 | 3.53% | — | — | 3.53% | $718 |
| 24 months2 Year term, Jumbo balance | — | 3.53% | — | 3.53% | $718 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs)
Up to 4.07%APY · 3 terms
Traditional and Roth IRA options available. No setup fees, no monthly or annual maintenance fees. Early withdrawals subject to penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsIRA - 1 Year term | 4.04% | $404 |
| 18 monthsIRA - 18 Month term | 4.07% | $617 |
| 24 monthsIRA - 2 Year term | 3.53% | $718 |
Sources (2)
All captured Oct 6, 2026
Opening an account
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