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: 4.00%, 18-Month CD: 4.20%, 24-Month CD: 4.00%, 36-Month CD: 4.00%, Savings: 0.25%

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First National Bank of America (FNBA)

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First National Bank of America (FNBA) Rates & Review August 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 and Verified: August 28, 2026

First National Bank of America (FNBA)'s 120-Month rates are at 4.40%, 18-Month Certificate of Deposit (CD) rates are at 4.20%, 18-Month Special rates are at 4.20%, 108-Month rates are at 4.05%, 84-Month rates are at 4.05%. First National Bank of America (FNBA)'s savings rates are at 0.25%. 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 last updated and verified on 08/28/2026.

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

241 E Saginaw St
East Lansing, MI 48823

https://www.fnba.com

First National Bank of America (FNBA) CD Rates

Product	Rate	APY
120 Month	4.33%	4.40%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
18 Month Special	4.14%	4.20%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
108 Month	3.99%	4.05%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
84 Month	3.99%	4.05%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
96 Month	3.99%	4.05%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
12 Month	3.94%	4.00%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
24 Month	3.94%	4.00%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
36 Month	3.94%	4.00%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
72 Month	3.94%	4.00%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
6 Month	3.80%	3.85%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
3 Month	3.55%	3.60%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%

First National Bank of America (FNBA) Savings Rates

Product	Rate	APY
High Yield Savings	3.93%	4.00%
Min Balance $0 Details All Balances for first 6 months; Promotional Rate Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
High Yield Savings	3.69%	3.75%
Min Balance $250,000 Details Greater than $250,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
High Yield Savings Promotion	-	3.75%
Min Deposit $1,000 Min Balance $250,000 Details Promotional rate is available to new accounts only. Qualifying balance up to $20,000.00. For the first 6 months from the date of the account opening, a promotional rate of 4.00% APY will apply to all balances. The promotional rate of 4.00% APY only applies to New Money. New Money is defined as funds deposited from an external financial institution or source, not previously held on deposit at FNBA within the last 30 days. Internal transfers between existing FNBA accounts do not qualify. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
Business High-Yield Savings	3.45%	3.51%
Min Balance $250,000 Details Balance Tiers: Greater than $250,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
High Yield Savings	3.45%	3.50%
Min Balance $250,000 Details Greater than $250,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
Standard High Yield Savings	3.45%	3.50%
Min Deposit $1,000 Min Balance $0 Details A $10.00 Service Fee will be imposed if your average daily balance falls below $1,000 for the statement cycle period. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
High Yield Savings	3.44%	3.49%
Min Balance $100,000 Details Greater than $100,000 up to $250,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
High Yield Savings Promotion	-	3.49%
Min Deposit $1,000 Min Balance $100,000 Details Promotional rate is available to new accounts only. Qualifying balance up to $20,000.00. For the first 6 months from the date of the account opening, a promotional rate of 4.00% APY will apply to all balances. The promotional rate of 4.00% APY only applies to New Money. New Money is defined as funds deposited from an external financial institution or source, not previously held on deposit at FNBA within the last 30 days. Internal transfers between existing FNBA accounts do not qualify. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
High Yield Savings	3.32%	3.37%
Min Balance $50,000 Details Greater than $50,000 up to $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
High Yield Savings Promotion	-	3.37%
Min Deposit $1,000 Min Balance $50,000 Details Promotional rate is available to new accounts only. Qualifying balance up to $20,000.00. For the first 6 months from the date of the account opening, a promotional rate of 4.00% APY will apply to all balances. The promotional rate of 4.00% APY only applies to New Money. New Money is defined as funds deposited from an external financial institution or source, not previously held on deposit at FNBA within the last 30 days. Internal transfers between existing FNBA accounts do not qualify. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
Business High-Yield Savings	3.20%	3.25%
Min Balance $100,000 Details Balance Tiers: Greater than $100,000 up to $250,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
High Yield Savings	3.20%	3.25%
Min Balance $20,000 Details Greater than $20,000 up to $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
High Yield Savings Promotion	-	3.25%
Min Deposit $1,000 Min Balance $20,000 Details Promotional rate is available to new accounts only. Qualifying balance up to $20,000.00. For the first 6 months from the date of the account opening, a promotional rate of 4.00% APY will apply to all balances. The promotional rate of 4.00% APY only applies to New Money. New Money is defined as funds deposited from an external financial institution or source, not previously held on deposit at FNBA within the last 30 days. Internal transfers between existing FNBA accounts do not qualify. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
High Yield Savings	3.07%	3.11%
Min Balance $0 Details $20,000 or less Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
High Yield Savings Promotion	-	3.11%
Min Deposit $1,000 Details Promotional rate is available to new accounts only. Qualifying balance up to $20,000.00. For the first 6 months from the date of the account opening, a promotional rate of 4.00% APY will apply to all balances. The promotional rate of 4.00% APY only applies to New Money. New Money is defined as funds deposited from an external financial institution or source, not previously held on deposit at FNBA within the last 30 days. Internal transfers between existing FNBA accounts do not qualify. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
Business High-Yield Savings	2.96%	3.00%
Min Balance $50,000 Details Balance Tiers: Greater than $50,000 up to $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
High Yield Savings	2.96%	3.00%
Min Balance $100,000 Details Greater than $100,000 up to $250,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
Standard High Yield Savings	2.96%	3.00%
Min Deposit $1,000 Min Balance $0 Details A $10.00 Service Fee will be imposed if your average daily balance falls below $1,000 for the statement cycle period. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
High Yield Savings	2.72%	2.75%
Min Balance $50,000 Details Greater than $50,000 up to $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
Standard High Yield Savings	2.72%	2.75%
Min Deposit $1,000 Min Balance $0 Details A $10.00 Service Fee will be imposed if your average daily balance falls below $1,000 for the statement cycle period. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
Business High-Yield Savings	2.47%	2.50%
Min Balance $0 Details Balance Tiers: up to $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
High Yield Savings	2.47%	2.50%
Min Balance $20,000 Details Greater than $20,000 up to $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
Standard High Yield Savings	2.47%	2.50%
Min Deposit $1,000 Min Balance $0 Details A $10.00 Service Fee will be imposed if your average daily balance falls below $1,000 for the statement cycle period. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
High Yield Savings	2.23%	2.25%
Min Balance $0 Details $20,000 or less Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
Standard High Yield Savings	2.23%	2.25%
Min Deposit $1,000 Min Balance $0 Details A $10.00 Service Fee will be imposed if your average daily balance falls below $1,000 for the statement cycle period. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
Health Savings	0.30%	0.30%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
Statement Savings	0.25%	0.25%
No additional details. Last Updated 08/28/2026 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	4.41%	4.50%
Min Deposit $1,000 Min Balance $20,000 Details Qualifications Required: 10 debit transactions on this account during the statement cycle; at least a $1,000 daily balance in the account; aggregate of $1,000 or more in electronic fund credits of new money during the statement cycle; sign-in to your account at least once using mobile or online banking; New Money is defined as funds deposited from an external financial institution or source, not previously held on deposit at FNBA within the last 30 days. Internal transfers between existing FNBA accounts do not qualify. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
Elevate Checking	2.23%	3.00%
Min Deposit $1,000 Min Balance $0 Details Qualifications Required: 10 debit transactions on this account during the statement cycle; at least a $1,000 daily balance in the account; aggregate of $1,000 or more in electronic fund credits of new money during the statement cycle; sign-in to your account at least once using mobile or online banking; New Money is defined as funds deposited from an external financial institution or source, not previously held on deposit at FNBA within the last 30 days. Internal transfers between existing FNBA accounts do not qualify. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
Signature Checking	2.72%	2.75%
Min Deposit $1,000 Min Balance $0 Details Signature Checking is a tiered, variable rate account with a minimum opening deposit of $1,000. Account balances up to $250,000 will earn interest at 2.51% APY; balances greater than $250,000 will earn interest at 2.75% APY. When your balance falls into a specific rate tier; your entire balance will earn the applicable rate for that tier. For example, if your balance is greater than $250,000, your entire balance will earn 2.75% APY. Interest will be calculated and posted on the last day of each monthly Statement Cycle using a Daily Balance Method. The Daily Balance Method applies a periodic rate to the principal balance in your account each day. A $10.00 Service Fee will be imposed if your daily balance falls below $1,000 on any day of the statement cycle period. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
Elevate Checking	2.47%	2.63%
Min Deposit $1,000 Min Balance $0 Details Qualifications Required: 10 debit transactions on this account during the statement cycle; at least a $1,000 daily balance in the account; aggregate of $1,000 or more in electronic fund credits of new money during the statement cycle; sign-in to your account at least once using mobile or online banking; New Money is defined as funds deposited from an external financial institution or source, not previously held on deposit at FNBA within the last 30 days. Internal transfers between existing FNBA accounts do not qualify. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
Elevate Checking	2.57%	2.51%
Min Deposit $1,000 Min Balance $0 Details Qualifications Required: 10 debit transactions on this account during the statement cycle; at least a $1,000 daily balance in the account; aggregate of $1,000 or more in electronic fund credits of new money during the statement cycle; sign-in to your account at least once using mobile or online banking; New Money is defined as funds deposited from an external financial institution or source, not previously held on deposit at FNBA within the last 30 days. Internal transfers between existing FNBA accounts do not qualify. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.60%
Signature Checking	2.48%	2.51%
Min Deposit $1,000 Min Balance $250,000 Details Signature Checking is a tiered, variable rate account with a minimum opening deposit of $1,000. Account balances up to $250,000 will earn interest at 2.51% APY; balances greater than $250,000 will earn interest at 2.75% APY. When your balance falls into a specific rate tier; your entire balance will earn the applicable rate for that tier. For example, if your balance is greater than $250,000, your entire balance will earn 2.75% APY. Interest will be calculated and posted on the last day of each monthly Statement Cycle using a Daily Balance Method. The Daily Balance Method applies a periodic rate to the principal balance in your account each day. A $10.00 Service Fee will be imposed if your daily balance falls below $1,000 on any day of the statement cycle period. Last Updated 08/28/2026 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.
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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 Branches and Offices 3

Source: FDIC | Last Updated 12/31/2025

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

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.