Bank · FDIC insured
First National Bank CD Rates
First National Bank’s best CD rate is 4.06% APY on a 5-year CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How First National Bank’s CD rates compare
Compared with banks and credit unions near Lynchburg, VA, where First National Bank has the most branches. $10,000, best rate first.
This bank’s best
First National Bank
4.06%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,202
Certificates of Deposit
Top rate
Freedom First
4.65%APY
- Term
- 13 months
- Minimum
- $5,000
- Earns on $10,000
- $505
2nd-highest rate
Beacon Credit Union
4.35%APY
- Term
- 6 months
- Minimum
- $2,500
- Earns on $10,000
- $215
First National Bank CD score
85
CD score
Higher than 70% of U.S. banks and credit unions
- 3–8 months3–8 mo3.38%
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo4.06%
- QualifiedQualified4.06%
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.
Certificates of Deposit
Up to 4.06%APY · 10 terms
Rates as of: October 9, 2026. Rates are subject change, for the most current rates please contact us at 434.369.3000. A penalty will be imposed for early withdrawal (except No Penalty). Interest rate and APY may change after opening. Daily balance calculation. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91 Day CD. Early withdrawal penalty applies | 0.10% | $3 |
| 6 months6 Month CD. Early withdrawal penalty applies | 3.38% | $168 |
| 12 months1 Year CD. Early withdrawal penalty applies | 3.50% | $350 |
| 12 months1 Year No Penalty CD | 1.51% | $151 |
| 15 months15 Month CD. Early withdrawal penalty applies | 3.55% | $446 |
| 18 months18 Month 1st Choice Club CD. Early withdrawal penalty applies | 3.65% | $552 |
| 18 months18 Month CD. Early withdrawal penalty applies | 3.60% | $545 |
| 24 months2 Year CD. Early withdrawal penalty applies | 3.70% | $754 |
| 30 months2 1/2 Year CD. Early withdrawal penalty applies | 3.75% | $964 |
| 36 months3 Year CD. Early withdrawal penalty applies | 3.80% | $1,184 |
| 48 months4 Year CD. Early withdrawal penalty applies | 3.91% | $1,658 |
| 60 months5 Year CD. Early withdrawal penalty applies | 4.06% | $2,202 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
Individual Retirement Accounts
Up to 4.06%APY · 6 terms
Rates as of: October 9, 2026. Rates are subject change, for the most current rates please contact us at 434.369.3000. Penalty imposed for early withdrawal. Interest rate and APY may change after account opening. Daily balance method. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months12 Month Variable IRA CD. Penalty will be imposed for early withdrawal. Interest rate and APY may change after opening | 3.50% | $350 |
| 18 months18 Month Variable IRA CD. Penalty will be imposed for early withdrawal. Interest rate and APY may change after opening | 3.60% | $545 |
| 24 months2 Year Fixed IRA CD. Penalty will be imposed for early withdrawal | 3.70% | $754 |
| 36 months3 Year Fixed IRA CD. Penalty will be imposed for early withdrawal | 3.80% | $1,184 |
| 48 months4 Year Fixed IRA CD. Penalty will be imposed for early withdrawal | 3.91% | $1,658 |
| 60 months5 Year Fixed IRA CD. Penalty will be imposed for early withdrawal | 4.06% | $2,202 |
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.