Bank · FDIC insured
The First National Bank in Trinidad CD Rates
The First National Bank in Trinidad’s best CD rate is 0.70% APY on a 2-year CD. Terms run from 1 month to 2 years. Rates checked October 22, 2026.
How The First National Bank in Trinidad’s CD rates compare
Compared with banks and credit unions in Colorado, where The First National Bank in Trinidad has the most branches. $10,000, best rate first.
This bank’s best
The First National Bank in Trinidad
0.70%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $140
Certificate of Deposit
Top rate
Northern New Mexico School Employees Federal Credit Union
5.12%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,050
Northern New Mexico School Employees Federal Credit Union rates
2nd-highest rate
Wray State Bank
5.09%APY
- Term
- 24 months
- Minimum
- —
- Earns on $10,000
- $1,044
The First National Bank in Trinidad CD score
60
CD score
Higher than 2% of U.S. banks and credit unions
- 3–8 months3–8 mo0.40%
- 9–15 months9–15 mo0.50%
- 16–30 months16–30 mo0.70%
- QualifiedQualified0.70%
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 The First National Bank in Trinidad 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 0.70%APY · 6 terms
The Annual Percentage Yield assumes that the certificate and the interest will be reinvested. Withdrawal of interest could result in a lower APY. Penalty for early withdrawal. Rates subject to change. Fees may reduce earnings on account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month31 Day CD. On Deposits up to $100,000 | 0.20% | $2 |
| 3 months91 Day CD. On Deposits up to $100,000 | 0.20% | $5 |
| 6 months182 Day CD. On Deposits up to $100,000 | 0.40% | $20 |
| 12 months12 Month CD. On Deposits up to $100,000 | 0.50% | $50 |
| 18 months18 Month CD. On Deposits up to $100,000 | 0.60% | $90 |
| 24 months24 Month CD. On Deposits up to $100,000 | 0.70% | $140 |
Sources (1)
- fnbtrinidad.com/personal-banking/cds-iras · captured Oct 4, 2026
Jumbo CDs
Up to 0.70%APY · 6 terms
The Annual Percentage Yield assumes that the certificate and the interest will be reinvested. Withdrawal of interest could result in a lower APY. Penalty for early withdrawal. Rates subject to change. Fees may reduce earnings on account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month31 Day Jumbo CD. On Deposits $100,000 and over | 0.20% | — |
| 3 months91 Day Jumbo CD. On Deposits $100,000 and over | 0.20% | — |
| 6 months182 Day Jumbo CD. On Deposits $100,000 and over | 0.40% | — |
| 12 months12 Month Jumbo CD. On Deposits $100,000 and over | 0.50% | — |
| 18 months18 Month Jumbo CD. On Deposits $100,000 and over | 0.60% | — |
| 24 months24 Month Jumbo CD. On Deposits $100,000 and over | 0.70% | — |
Sources (1)
- fnbtrinidad.com/personal-banking/cds-iras · captured Oct 4, 2026
Special-purpose accounts
Individual Retirement Accounts
Up to 0.60%APY · 2 terms
The Annual Percentage Yield assumes that the certificate and the interest will be reinvested. Withdrawal of interest could result in a lower APY. Penalty for early withdrawal. On variable rate accounts, rate may change after account opening. Fees may reduce earnings on account. Consult with your tax advisor.
| Term | APY · Up to $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsJumbo IRA Variable Rate 182 Day CD. On Deposits $100,000 and over | — | 0.40% | —0.40% from $100k | — |
| 6 monthsVariable Rate 182 Day CD. On Deposits up to $100,000 | 0.40% | — | 0.40% | $20 |
| 18 monthsFixed Rate 18 Month CD. On Deposits up to $100,000 | 0.60% | — | 0.60% | $90 |
| 18 monthsJumbo IRA Fixed Rate 18 Month CD. On Deposits $100,000 and Over | — | 0.60% | —0.60% from $100k | — |
Sources (1)
- fnbtrinidad.com/personal-banking/cds-iras · captured Oct 4, 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.