First National Bank of America

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.fnba.com

517-351-3622

241 East Saginaw
East Lansing, MI 48823

First National Bank of America is headquartered in EAST LANSING and is the largest bank in the state of Michigan. It is also the 233^rd largest bank in the nation. It was established in 1955 and as of March of 2025, it had grown to 377 employees at 3 locations. First National Bank of America's savings rates are 6X the national average, and it has a B health rating.

Reviews (22)

Mortgage Refinance

Posted by: garyhutnik | Nov 11, 2024

Kassandra Bellingar is your go-to person for a mortgage refi. She was knowledgeable, accurate, efficient, thorough, prompt and just plain nice. She made the process seamless and
mostly stress free. I cannot recommend her highly enough.

WOW This Was Easy!!

Posted by: sniggles | Oct 28, 2024

I couldn't get over the SHORT time it took to open a CD!!!I'm used to jumping through hoops with other bank's changing demands for ID. I have a CD maturing tomorrow, guess where it's going?

Awesome Bank Experience Opening A CD

Posted by: RonnieGoldman | Jul 31, 2024

Just opened a CD.
Seamless experience, website easy to navigate.
Customer service is awesome, polite, friendly, helpful, and professional.

Beware Of How Interest Is Compounded At This Bank

Posted by: Expertbankrevi | Nov 5, 2024

Interest is paid (credited) and compounded monthly, except for Regular Savings which is paid (credited) and compounded quarterly. Certificates of Deposit interest is compounded every 6 months. All interest bearing accounts are variable rate accounts.

If interest is compounded every 6 months on a CD versus monthly, you will get less interest than a bank at the same APY that compounds monthly.

VIEW MORE REVIEWS

Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	17438
Year Established	1955
Employees	377
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	3.27%
Return on Equity - YTD	40.15%
Annual Interest Income	$130.4MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$6.38B$5.8B
Loans	Q1 2025vs Q1 2024	$5.79B$5.28B
Deposits	Q1 2025vs Q1 2024	$3.73B$3.38B
Equity Capital	Q1 2025vs Q1 2024	$525.4MM$494.5MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$64.5MM$58.9MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$94.9MM$72.5MM
Real Estate Owned	Q1 2025vs Q1 2024	$3.9MM$3.4MM

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not First National Bank of America; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

First National Bank of America Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
3.25%^†	$1k	-	High Yield Savings - Online
0.30%^†	$0	-	Health Savings Account
0.25%^†	$0	-	Statement Savings

First National Bank of America Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%^*	$250k^*	-	Business Money Market Savings
OTHER TIERS: 0.40% → $0 - $50k \| 0.45% → $50k - $250k

First National Bank of America Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.75%^*^†	$250k^*	-	HomeTowne Checking
OTHER TIERS: 2.50% → $100k - $250k \| 2.51% → $0 - $100k

First National Bank of America CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.30%^†	$1k	-	7 Month CD Special
4.20%^†	$1k	$1m	3 Month CD
4.16%^†	$1k	$1m	6 Month CD
4.06%^†	$1k	$1m	12 Month CD
3.96%^†	$1k	$1m	60 Month CD
3.93%^†	$1k	$1m	24 Month CD
3.93%^†	$1k	$1m	18 Month CD
3.91%^†	$1k	$1m	48 Month CD
3.90%^†	$1k	$1m	36 Month CD
3.90%^†	$1k	$1m	84 Month CD
3.90%^†	$1k	$1m	72 Month CD
3.90%^†	$1k	$1m	96 Month CD
3.90%^†	$1k	$1m	108 Month CD
3.90%^†	$1k	$1m	120 Month CD

First National Bank of America IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.06%^†	$1k	$1m	12 Month IRA CD
3.96%^†	$1k	$1m	60 Month IRA CD
3.93%^†	$1k	$1m	24 Month IRA CD
3.93%^†	$1k	$1m	18 Month IRA CD
3.91%^†	$1k	$1m	48 Month IRA CD
3.90%^†	$1k	$1m	36 Month IRA CD

Locations

First National Bank of America Locations
First National Bank Of America	241 E Saginaw St	East Lansing, MI 48823
Traverse City Branch	315 N. Division	Traverse City, MI 49684
Branch Office	4660 Kalamazoo Ave, SE	Grand Rapids, MI 49508

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