Bank · FDIC insured
First National Bank Texas CD Rates
First National Bank Texas’s best CD rate is 4.25% APY on an 8-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How First National Bank Texas’s CD rates compare
Compared with banks and credit unions near Dallas, TX, where First National Bank Texas has the most branches. $10,000, best rate first.
This bank’s best
First National Bank Texas
3.75%APY
- Term
- 8 months
- Minimum
- $500
- Earns on $10,000
- $248
8 Month Fixed Rate CD
Top rate
National Police FCU
4.71%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,481
2nd-highest rate
Advancial Federal Credit Union
4.66%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,558
First National Bank Texas CD score
70
CD score
Higher than 28% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo1.81%
- 31–60 months31–60 mo1.66%
- QualifiedQualified3.75%
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 Texas 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.
8 Month Fixed Rate CD
3.75%APY · 1 term
Promotions are for a limited time only. 8-month CDs will automatically renew into a 6-month CD.
| Term | APY · $500 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 8 monthsPromotional CD offer. Automatically renews into a 6-month CD at maturity. Early withdrawal penalties apply. Interest compounded and credited quarterly | 3.75% | 4.25% | 4.25% | 3.75%4.25% $50k–$100k4.25% from $100k | $248 |
7 Month Fixed Rate CD
3.50%APY · 1 term
Promotional CD. Automatically renews into a 6-month CD at maturity.
| Term | APY · $500 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 7 monthsAutomatically renews into a 6-month CD at maturity. Early withdrawal penalties apply | 3.25% | 3.50% | — | 4.20% | 3.50%3.25% $500–$10k4.20% from $100k | $203 |
| 7 monthsPromotional CD offer; visit branch to open. Automatically renews into a 6-month CD at maturity | — | — | 4.00% | — | —4.00% $50k–$100k | — |
13 Month Fixed Rate CD
3.25%APY · 1 term
13-month CDs will automatically renew into a 12-month CD.
| Term | APY · $10,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 13 monthsAutomatically renews into a 12-month CD at maturity. Early withdrawal penalties apply | 3.25% | 3.75% | 4.00% | 3.25%3.75% $50k–$100k4.00% from $100k | $353 |
1 Year (12 Month) Fixed Rate CD
2.25%APY · 1 term
| Term | APY · $500 – $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsEarly withdrawal penalties apply. Interest compounded and credited quarterly | 2.25% | 2.75% | 2.25%2.75% from $50k | $225 |
2 Year (24 Month) Fixed Rate CD
1.81%APY · 1 term
| Term | APY · $500 – $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 24 monthsEarly withdrawal penalties apply. Interest compounded and credited quarterly | 1.81% | 2.02% | 1.81%2.02% from $50k | $365 |
6 Month Fixed Rate CD
1.85%APY · 1 term
| Term | APY · $500 – $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsEarly withdrawal penalties apply. Interest compounded and credited quarterly | 1.85% | 2.00% | 1.85%2.00% from $50k | $92 |
9 Month Fixed Rate CD
2.00%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsEarly withdrawal penalties apply. Interest compounded and credited quarterly | 2.00% | $150 |
Sources (1)
- 1stnb.com/files/PDFs/Rate_Sheet_FNBT.pdf · captured Oct 6, 2026
5 Year (60 Month) Fixed Rate CD
1.66%APY · 1 term
| Term | APY · $500 – $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 60 monthsEarly withdrawal penalties apply. Interest compounded and credited quarterly | 1.66% | 1.76% | 1.66%1.76% from $50k | $858 |
12 Month Variable Rate CD
0.35%APY · 1 term
The rate shown applies to all existing and renewing Variable Rate CDs (6 months through 18 months). Add-on feature: You may add to this CD at any time. $25 minimum add-on deposit.
| Term | APY · $500 – $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsRate subject to change at any time without notice after opening. Applies to existing and renewing Variable Rate CDs (6-18 months). Add-on deposit min $25. Early withdrawal penalties apply | 0.35% | 0.40% | 0.35%0.40% from $50k | $35 |
Sources (1)
- 1stnb.com/files/PDFs/Rate_Sheet_FNBT.pdf · captured Oct 6, 2026
3 Month Fixed Rate CD
0.25%APY · 1 term
| Term | APY · $500 – $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsEarly withdrawal penalties apply. Interest compounded and credited at maturity | 0.25% | 0.30% | 0.25%0.30% from $50k | $6 |
Sources (1)
- 1stnb.com/files/PDFs/Rate_Sheet_FNBT.pdf · captured Oct 6, 2026
Special-purpose accounts
1 Year (12 Month) Fixed Rate IRA CD
2.25%APY · 1 term
| Term | APY · $500 – $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsEarly withdrawal penalties apply. Interest compounded and credited quarterly | 2.25% | 2.75% | 2.25%2.75% from $50k | $225 |
2 Year (24 Month) Fixed Rate IRA CD
1.81%APY · 1 term
| Term | APY · $500 – $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 24 monthsEarly withdrawal penalties apply. Interest compounded and credited quarterly | 1.81% | 2.02% | 1.81%2.02% from $50k | $365 |
5 Year (60 Month) Fixed Rate IRA CD
1.66%APY · 1 term
| Term | APY · $500 – $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 60 monthsEarly withdrawal penalties apply. Interest compounded and credited quarterly | 1.66% | 1.76% | 1.66%1.76% from $50k | $858 |
12 Month Variable Rate IRA CD
0.35%APY · 1 term
The rate shown applies to all existing and renewing Variable Rate CDs (6 months through 18 months). Add-on feature: You may add to this CD at any time. $25 minimum add-on deposit.
| Term | APY · $500 – $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsRate subject to change at any time without notice after opening. Applies to existing and renewing Variable Rate CDs (6-18 months). Add-on deposit min $25. Early withdrawal penalties apply | 0.35% | 0.40% | 0.35%0.40% from $50k | $35 |
Sources (1)
- 1stnb.com/files/PDFs/Rate_Sheet_FNBT.pdf · captured Oct 6, 2026
Opening an account
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