Bank · FDIC insured
First Nations Bank CD Rates
First Nations Bank’s best CD rate is 4.25% APY on a 9-month CD. Terms run from 3 months to 4 years. Rates checked October 16, 2026.
How First Nations Bank’s CD rates compare
Compared with banks and credit unions near Chicago, IL-IN, where First Nations Bank has the most branches. $10,000, best rate first.
This bank’s best
First Nations Bank
4.25%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $317
9 Month CD Rate Special
Top rate
Vicinity Credit Union
5.15%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $559
2nd-highest rate
Whiting Refinery Federal Credit Union
5.12%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,836
First Nations Bank CD score
71
CD score
Higher than 28% of U.S. banks and credit unions
- 3–8 months3–8 mo0.05%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo0.05%
- 31–60 months31–60 mo0.05%
- QualifiedQualified4.25%
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 Nations 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.
9 Month CD Rate Special
4.25%APY · 1 term
Limited time CD Rate Special. Offer for New Money Only. Not available for Brokers / Agents / Public Entities / Financial Institutions. Interest compounded quarterly. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsOffer for New Money Only. Not available for Brokers / Agents / Public Entities / Financial Institutions. Interest compounded quarterly. Early withdrawal penalties may apply | 4.25% | $317 |
Sources (1)
- firstnations.bank · captured Oct 6, 2026
Certificates of Deposit
0.05%APY · 7 terms
Must maintain minimum balance in account each day to obtain APY. APY assumes principal and interest remain on deposit until maturity. Interest compounded quarterly. A penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months90 Days term. Interest compounded quarterly | 0.05% | $1 |
| 6 months6 Months term. Interest compounded quarterly | 0.05% | $2 |
| 12 months12 Months term. Interest compounded quarterly | 0.05% | $5 |
| 18 months18 Months term. Interest compounded quarterly | 0.05% | $8 |
| 24 months24 Months term. Interest compounded quarterly | 0.05% | $10 |
| 36 months36 Months term. Interest compounded quarterly | 0.05% | $15 |
| 48 months48 Months term. Interest compounded quarterly | 0.05% | $20 |
Sources (1)
- firstnations.bank/Personal/Sav…/Certificates-of-Deposit · captured Oct 6, 2026
Special-purpose accounts
Individual Retirement Accounts (IRA Certificates of Deposit)
0.05%APY · 5 terms
For anyone under the age of 72 with eligible earned income. Available as Traditional and Roth IRAs backed by Certificates of Deposit. Must maintain minimum balance in account each day to obtain APY. APY assumes principal and interest remain on deposit until maturity. Interest compounded quarterly. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months12 Months term. Interest compounded quarterly | 0.05% | $5 |
| 24 months24 Months term. Interest compounded quarterly | 0.05% | $10 |
| 36 months36 Months term. Interest compounded quarterly | 0.05% | $15 |
| 48 months48 Months term. Interest compounded quarterly | 0.05% | $20 |
| 60 months60 Months term. Interest compounded quarterly | 0.05% | $25 |
Sources (1)
- firstnations.bank/Personal/Sav…dual-Retirement-Accounts · captured Oct 6, 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.