2. First National Bank of America

First National Bank of America


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 7th largest bank in the state of Michigan. It is also the 464th largest bank in the nation. It was established in 1955 and as of December of 2018, it had grown to 301 employees at 3 locations. First National Bank of America's money market rates are 3X the national average, and it has a B health rating.

Related Posts

Cd Rate Drop On One And Five Year Cd - 5/17/2019

60 month cd rate drop from 3.35 to 3.2 and also for one year and two year

First National Bank of America Leads With 60-Month CD, 3.35% APY - 4/24/2019

First National Bank of America has top-rate nationally available CDs including: 60-month (3.35% APY), 72-month (3.45% APY), 84-month (3.55% APY). $1k minimum deposit.

#1 APY's For CD's Available Nationwide With Terms Of 36 Months Or Longer - 4/4/2019

$1,000 Minimum. All regular CD's earn #1 APY's for CD's that are available nationwide with a $1,000 minimum for terms of 36 months or longer. Same rates apply to IRA's (except Flex CD's). 84 month and 72 month certificates are not available for IRA's. Rates available nationally. CD's can be opened online. IRA's can be opened via mail after initial account is established. Flex CD's can bump up rate once during term. Rates listed as effective since March 1, but no current termination dates have been communicated according to CSR. 3.55% APY 84 months 3.45% APY 72 months 3.35% APY 60 months 3.20% APY 48-59 months 3.05% APY 36-47 months 3.25% APY 60 months Flex 3.10% APY 48 months Flex 2.95% APY 36 months Flex "Deposit Rates East Lansing/National" can be found here: https://www.fnba.com/deposit-rates-east-lansing/

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Reviews (20)

Great Service And Great Rates

Posted by: LanaKae | May 6, 2019

Super service and great rates. Thanks so much!

2

Personal Service

Posted by: bobwfnba | Nov 9, 2018

Over the past three years our family has moved a significant portion of our resources to First National Bank of America. We made our decision initially because FNBA had competitive CD interest rates and still continues to have the best rates in town. We knew we made the right decision as time passed and have had several occasions to interact with the great staff at FNBA. We would encourage everyone to give FNBA a try.

4

Excelent Service

Posted by: ecastanenda0526 | May 11, 2019

well I I'm very happy with FNBA their service was awesome , I live in California and I thought will be hard but no. It was less then I expected, not only that but they had sense of humor they were not stressed . And thank you guys. .. in case someone in spanish
excelente el Personal fue muy amable. yo estube buscando prestamo para una casa pero los bancos no me daban !asta que encontre a FNBA estoy muy satisfecho con ellos . actualmente vivo en California y esto no fue un problema para aser el prestama
THE BEST EDY

2

Poor Customer Service

Posted by: pwj7050 | May 4, 2019

I have an unreturned voice mail into a Doug Johnson, a branch operations specialist, that is 4 days old and counting regarding a CD application. I mention it here since I get feedback from the bank quicker on the DepositAccounts’ user forum than I do when I leave voice mails or send emails to the bank! Let’s see what happens with this complaint!

3
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Health
B

Data as of Q4 2018

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #17438
Year Established1955
Employees301
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD2.45%
Return on Equity - YTD27.37%
Annual Interest Income$120.8MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$1.80B$1.36B
LoansQ4 2018vs Q4 2017$1.64B$1.24B
DepositsQ4 2018vs Q4 2017$1.13B$993.4MM
Equity CapitalQ4 2018vs Q4 2017$156.7MM$126.2MM
Loan Loss AllowanceQ4 2018vs Q4 2017$20.3MM$15.6MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$42.5MM$41.1MM
Real Estate OwnedQ4 2018vs Q4 2017$4.8MM$3.8MM
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

Cd Rate Drop On One And Five Year Cd

max100   |  
60 month cd rate drop from 3.35 to 3.2 and also for one year and two year
4

#1 APY's For CD's Available Nationwide With Terms Of 36 Months Or Longer

rockies   |  
$1,000 Minimum. All regular CD's earn #1 APY's for CD's that are available nationwide with a $1,000 minimum for terms of 36 months or longer. Same rates apply to IRA's (except Flex CD's). 84 month and 72 month certificates are not available for IRA's. Rates available nationally.

CD's can be opened online. IRA's can be opened via mail after initial account is established. Flex CD's can bump up rate once during term.

Rates listed as effective since March 1, but no current termination dates have been communicated according to CSR.

3.55% APY 84 months
3.45% APY 72 months
3.35% APY 60 months
3.20% APY 48-59 months
3.05% APY 36-47 months

3.25% APY 60 months Flex
3.10% APY 48 months Flex
2.95% APY 36 months Flex

"Deposit Rates East Lansing/National" can be found here:
https://www.fnba.com/deposit-rates-east-lansing/
17

Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%†$100-Statement Savings

First National Bank of America Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%*†$250k*$5mHomeTowne Money Market Checking
OTHER TIERS: 1.00% → Up to $20k | 1.05% → $20k - $100k | 1.20% → $100k - $250k
0.60%*†$250k*-Business Money Market Savings
OTHER TIERS: 0.05% → Up to $1k | 0.25% → $1k - $20k | 0.35% → $20k - $50k | 0.40% → $50k - $100k | 0.50% → $100k - $250k

First National Bank of America Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*†$1.5m*-Business Interest Checking
OTHER TIERS: 0.05% → Up to $50k | 0.10% → $50k - $150k | 0.15% → $150k - $1.5m

First National Bank of America CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.40%†$1k-84 Month CD
3.30%†$1k-72 Month CD
3.20%†$1k-60 Month CD
3.20%†$1k-60 Month CD Special
3.20%$1k-60 Month CD Special - Non Local
3.15%†$1k-60 Month Flex CD
3.10%†$1k-48-59 Month CD
3.05%†$1k-48 Month Flex CD
3.00%†$1k-36-47 Month CD
3.00%$1k-36 Month CD - Non Local
2.90%†$1k-36 Month Flex CD
2.85%†$1k-24-35 Month CD
2.75%†$1k-12 Month CD Special
2.75%$1k-12 Month CD Special - Non Local
1.90%†$1k-6-11 Month CD
1.40%†$1k-1-5 Month CD

First National Bank of America IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.40%†$1k-84 Month IRA CD
3.30%†$1k-72 Month IRA CD
3.20%†$1k-60 Month IRA
3.20%†$1k-60 Month IRA Special
3.20%$1k-60 Month IRA Special - Non Local
3.10%†$1k-48-59 Month IRA CD
3.00%†$1k-36-47 Month IRA CD
3.00%$1k-36 Month IRA - Non Local
2.85%†$1k-24-35 Month IRA CD
2.75%$1k-12 Month IRA Special
2.75%$1k-12 Month IRA Special - Non Local
Locations


First National Bank of America Locations
First National Bank Of America241 East SaginawEast Lansing, MI 48823
Traverse City Branch315 N. DivisionTraverse City, MI 49684
Branch Office4660 Kalamazoo Ave, SEGrand Rapids, MI 49508

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.