Skip to content

Bank · FDIC insured

First National Bank of Pana CD Rates

First National Bank of Pana’s best CD rate is 4.40% APY on a 1-year CD. Terms run from 6 months to 3 years. Rates checked October 16, 2026.

How First National Bank of Pana’s CD rates compare

Compared with banks and credit unions near Decatur, IL, where First National Bank of Pana has the most branches. $10,000, best rate first.

  • This bank’s best

    First National Bank of Pana

    4.40%APY

    Term
    12 months
    Minimum
    $1,000
    Earns on $10,000
    $440

    CD Special

  • Top Carrot, Carrot Score 89

    Top rate

    United Equity Credit Union

    4.75%APY

    Term
    60 months
    Minimum
    $1,000
    Earns on $10,000
    $2,612

    United Equity Credit Union rates

  • Top Carrot, Carrot Score 95

    2nd-highest rate

    1st MidAmerica Credit Union

    4.58%APY

    Term
    35 months
    Minimum
    —
    Earns on $10,000
    $1,395

    1st MidAmerica Credit Union rates

Compare CD rates near you →

First National Bank of Pana CD score

97

CD score

Higher than 99% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo4.25%
  • 9–15 months9–15 mo4.40%
  • 16–30 months16–30 mo4.35%
  • 31–60 months31–60 mo4.30%
  • QualifiedQualified4.40%

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.

How the score works →

Where First National Bank of Pana 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.

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.

Visit institution website ↗Branches and institution details
← First National Bank of Pana overview