What are the current interest rates at First National Bank of America (FNBA)?

Current rates for First National Bank of America (FNBA) include: 12-Month CD: 3.95%, 18-Month CD: 3.80%, 24-Month CD: 3.80%, 36-Month CD: 3.80%, 48-Month CD: 3.80%, 60-Month CD: 3.80%, Savings: 3.51%

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First National Bank of America (FNBA) Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First National Bank of America (FNBA) provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 22, 2026

First National Bank of America (FNBA)'s 7-Month Certificate of Deposit (CD) rates are at 4.05%, CD 7-Month rates are at 4.05%, CD 108-Month rates are at 4.00%, CD 120-Month rates are at 4.00%, CD 72-Month rates are at 4.00%. First National Bank of America (FNBA)'s savings rates are at 3.51%. MonitorBankRates evaluates the financial stability of First National Bank of America (FNBA) with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 13.60%. Rates were last updated on 04/22/2026.

First National Bank of America (FNBA) money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First National Bank of America (FNBA)? Share your experience about First National Bank of America (FNBA) by leaving a review below, or read customer reviews before you decide to use First National Bank of America (FNBA).

Overall Health & Safety Grade

Excellent Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

13.60%

Excellent Higher than avg

First National Bank of America (FNBA)

241 E Saginaw St
East Lansing, MI 48823

https://www.fnba.com

First National Bank of America (FNBA) CD Rates

Product	Rate	APY	Term
7 Month Certificate of Deposit (CD)	-	4.05%
No additional details. Last Updated 04/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
CD 7 Month	3.99%	4.05%	7 Month
No additional details. Last Updated 04/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
CD 108 Month	3.94%	4.00%	108 Month
No additional details. Last Updated 04/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
CD 120 Month	3.94%	4.00%	120 Month
No additional details. Last Updated 04/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
CD 72 Month	3.94%	4.00%	72 Month
No additional details. Last Updated 04/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
CD 84 Month	3.94%	4.00%	84 Month
No additional details. Last Updated 04/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
CD 96 Month	3.94%	4.00%	96 Month
No additional details. Last Updated 04/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
CD 12 Month	3.89%	3.95%	12 Month
No additional details. Last Updated 04/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
CD 6 Month	3.80%	3.85%	6 Month
No additional details. Last Updated 04/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
CD 18 Month	3.75%	3.80%	18 Month
No additional details. Last Updated 04/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
CD 24 Month	3.75%	3.80%	24 Month
No additional details. Last Updated 04/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
CD 36 Month	3.75%	3.80%	36 Month
No additional details. Last Updated 04/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
CD 48 Month	3.75%	3.80%	48 Month
No additional details. Last Updated 04/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
CD 60 Month	3.75%	3.80%	60 Month
No additional details. Last Updated 04/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
CD 3 Month	3.55%	3.60%	3 Month
No additional details. Last Updated 04/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%

First National Bank of America (FNBA) Savings Rates

Product	Rate	APY	View More
High Yield Savings	-	3.51%
Min Deposit $1,000 Details Account balances up to $20,000 will earn interest at 2.25% APY; balances greater than $20,000 up to $50,000 will earn interest at 2.50% APY; balances greater than $50,000 up to $100,000 will earn interest at 2.75% APY; balances greater than $100,000 up to $250,000 will earn interest at a rate of 3.00% APY; balances greater than $250,000 will earn interest at 3.51% APY. Last Updated 04/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%

First National Bank of America (FNBA) Checking Rates

Product	Rate	APY
Elevate Checking	-	4.50%
Details Qualifications Required: Minimum qualification requirements during the monthly Statement Cycle; To qualify. New money is defined as money received from another financial institution and not transferred between accounts at FNBA. Last Updated 04/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
Elevate Checking	2.23%	3.00%
No additional details. Last Updated 04/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
Elevate Checking	2.47%	2.63%
No additional details. Last Updated 04/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
Elevate Checking	2.57%	2.51%
No additional details. Last Updated 04/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First National Bank of America (FNBA) is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First National Bank of America (FNBA) rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First National Bank of America (FNBA)'s official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First National Bank of America (FNBA)

Bank Holding Company FIRST NATIONAL BANCSHARES INC

Address 241 E Saginaw St, East Lansing, MI 48823 · Ingham

Website https://www.fnba.com

FDIC Certificate # 17438

Established 05/06/1955

FDIC Insurance Date 05/06/1955

Domestic Offices 3

Total Branches 3

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 93/100

5.0

Exceptional Out of 5.0 Stars

13.60%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 2.6735%

Return on Equity (ROE) 31.9700%

Non-Performing Loans (NPL) 0.83%

Total Assets $6,700,737,000

Total Deposits $3,836,566,000

Equity Capital $536,580,000

Net Income $190,217,000

Headquarters East Lansing

Total Offices 3

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About First National Bank of America (FNBA)

Is First National Bank of America (FNBA) a safe place to deposit money?

Yes, First National Bank of America (FNBA) is considered a safe financial institution. With a Texas Ratio of 13.598012723528%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does First National Bank of America (FNBA) operate?

First National Bank of America (FNBA) currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First National Bank of America (FNBA) does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First National Bank of America (FNBA) provides members with tools to manage their accounts and build a solid financial history.

Does First National Bank of America (FNBA) offer online and mobile banking?

Most modern institutions like First National Bank of America (FNBA) provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fnba.com.