Bank · FDIC insured
First National Bank CD Rates
First National Bank’s best CD rate is 4.25% APY on a 3-year CD. Terms run from 9 months to 3 years. Rates checked October 15, 2026.
How First National Bank’s CD rates compare
Compared with banks and credit unions in Tennessee, where First National Bank has the most branches. $10,000, best rate first.
This bank’s best
First National Bank
4.25%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $1,330
Certificate of Deposit
Top rate
First Century Bank
5.01%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $501
2nd-highest rate
First Jackson Bank
5.01%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $2,769
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 4.25%APY · 2 terms
$2,000 minimum to open for standard terms ranging from 30 days to 5 years. Not available to financial institutions or public funds. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 months | 3.97% | $296 |
| 36 monthsYou may exercise a one-time rate bump during the CD term; the new rate will be determined by the book rate for a 36 month CD and effective for the remaining CD term | 4.25% | $1,330 |
Sources (1)
- fnbforyou.com/bank/certificates-iras · captured Sep 18, 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.