Bank · FDIC insured
First National Bank CD Rates
First National Bank’s best CD rate is 3.94% APY on a 6-month CD, with extra requirements. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How First National Bank’s CD rates compare
Compared with banks and credit unions near Dodge City, KS, where First National Bank has the most branches. $10,000, best rate first.
This bank’s best
First National Bank
3.79%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $188
Certificate of Deposit
2nd-highest rate
BMO
3.00%APY
- Term
- 59 months
- Minimum
- $1,000
- Earns on $10,000
- $1,564
3rd-highest rate
Credit Union of Dodge City
2.78%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $564
First National Bank CD score
80
CD score
Higher than 54% of U.S. banks and credit unions
- 3–8 months3–8 mo3.79%
- 9–15 months9–15 mo3.79%
- 16–30 months16–30 mo3.53%
- 31–60 months31–60 mo3.28%
- QualifiedQualified3.79%
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 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.
Certificate of Deposit
Up to 3.79%APY · 7 terms
Deposit account rates may change after account opening. Penalty for early withdrawals may be applied to Time Deposit accounts (CDs). * Daily Balance is the amount of principal in the account each day. ** The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity and that you always satisfy the Minimum Balance Requirement. A withdrawal or fees could reduce earnings.
| Term | APY · $1,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsTerm: 90 Days. Frequency of Compounding: Quarterly. Frequency of Crediting: Quarterly | 3.75% | — | 3.75% | $92 |
| 6 monthsTerm: 182 Days. Frequency of Compounding: Semi-annually. Frequency of Crediting: Semi-annually | 3.79% | 3.94% | 3.79%3.94% from $100k | $188 |
| 12 monthsTerm: 12 Months. Frequency of Compounding: At Maturity. Frequency of Crediting: At Maturity | 3.75% | — | 3.75% | $375 |
| 12 monthsTerm: 12 Months. Frequency of Compounding: Semi-annually. Frequency of Crediting: Semi-annually | 3.79% | 3.94% | 3.79%3.94% from $100k | $379 |
| 24 monthsTerm: 24 Months. Frequency of Compounding: Semi-annually. Frequency of Crediting: Semi-annually | 3.53% | 3.68% | 3.53%3.68% from $100k | $718 |
| 36 monthsTerm: 36 Months. Frequency of Compounding: Semi-annually. Frequency of Crediting: Semi-annually | 3.28% | 3.43% | 3.28%3.43% from $100k | $1,017 |
| 48 monthsTerm: 48 Months. Frequency of Compounding: Semi-annually. Frequency of Crediting: Semi-annually | 3.28% | 3.43% | 3.28%3.43% from $100k | $1,378 |
| 60 monthsTerm: 60 Months. Frequency of Compounding: Semi-annually. Frequency of Crediting: Semi-annually | 3.28% | 3.17% | 3.28%3.17% from $100k | $1,751 |
Sources (1)
- onlinebanking.fnbspearville.com/Pages/rates.html · captured Sep 24, 2026
Special-purpose accounts
IRA
Up to 3.79%APY · 3 terms
Deposit account rates may change after account opening. Penalty for early withdrawals may be applied to Time Deposit accounts (CDs). * Daily Balance is the amount of principal in the account each day. ** The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity and that you always satisfy the Minimum Balance Requirement. A withdrawal or fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsTerm: 6 Months. Frequency of Compounding: Semi-annually. Frequency of Crediting: Semi-annually | 3.79% | $188 |
| 12 monthsTerm: 12 Months. Frequency of Compounding: Semi-annually. Frequency of Crediting: Semi-annually | 3.79% | $379 |
| 24 monthsTerm: 24 Months. Frequency of Compounding: Semi-annually. Frequency of Crediting: Semi-annually | 3.53% | $718 |
Sources (1)
- onlinebanking.fnbspearville.com/Pages/rates.html · captured Sep 24, 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.