First National Bank of Clarksdale savings and CD rates, reviewed
First National Bank of Clarksdale advertises 0.20% APY on its Regular Savings account. That is 18 basis points below the national savings average of 0.38% (FDIC, Aug 2026).
Ranked #221 of 337 tracked savings rates. It was #86 three months ago. The advertised rate has not changed in the 29 weeks since Banksparency began tracking it.
Estimate your earnings →·What First National Bank of Clarksdale actually pays →
First National Bank of Clarksdale at a glance
| Top savings APY | 0.20% · Regular Savings |
|---|---|
| Top CD APY | 1.50% · 6-9 months |
| Top money market APY | 2.25% |
| Minimum deposit | $100 |
| FDIC certificate | 19070 · Clarksdale, MS |
| Website | www.fnbclarksdale.com |
| Branches | 5 branches in MS |
| Availability | Available in MS |
First National Bank of Clarksdale savings and CD rates
Personal
IRA
Business
Rates are APY. The national savings average is 0.38% (FDIC, Aug 2026). The top tracked savings rate on Banksparency is 5.00%.
First National Bank of Clarksdale CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| 1-2 months | 0.50% | not stated | 30-59 Day CD |
| 2-3 months | 0.50% | not stated | 60-89 Day CD |
| 3-6 months | 0.50% | not stated | 90-179 Day CD |
| 6-9 months | 1.50% | not stated | 180-269 Day CD |
| 9-12 months | 1.50% | not stated | 270-364 Day CD |
| 12-18 months | 1.50% | not stated | 12-18 Month CD |
| 18-23 months | 1.50% | not stated | 18-23 Month CD |
| 24-29 months | 1.50% | not stated | 24-29 Month CD |
| 30-35 months | 1.50% | not stated | 30-35 Month CD |
| 36-41 months | 1.50% | not stated | 36-41 Month CD |
| 42-47 months | 1.50% | not stated | 42-47 Month CD |
| 48-59 months | 1.50% | not stated | 48-59 Month CD |
| 60 months | 1.50% | not stated | 60 Month CD |
Interactive Tool
Calculate Savings for First National Bank of Clarksdale
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$12,512.60(10.0%)
- Total Contributions$13,000
- Initial Deposit$100,000
Projected Balance
$125,512.60
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What First National Bank of Clarksdale pays on deposits
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced all of its deposits over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined.
In Q1 2026, First National Bank of Clarksdale paid a higher average rate than 73% of U.S. banks (all-bank median 2.27%).
- First National Bank of Clarksdale, avg rate paid
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers every account that earns interest: savings, interest checking, money market accounts, CDs, and personal and business accounts at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older balances at the rates of earlier years, everyday transaction balances, and CDs that were priced in a different rate environment. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rate paid on interest-bearing deposits, quarterly. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated.
So what is the catch?
| Product | APY | Min to open | Min to earn | Monthly fee | Direct deposit | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|
| Personal | |||||||
| Regular Savings | 0.20% | $100 | $0 | not stated | Not required | Variable | |
| Health Savings Account | 0.10% | not stated | $0 | not stated | Not required | Variable | |
| Money Market | 2.25% | $1,000 | $0 | not stated | Not required | Variable | |
| IRA | |||||||
| IRA Floating | 0.30% | not stated | $0 | not stated | Not required | Variable | |
| Business | |||||||
| Commercial Investment Money Market | 3.25% | $100,000 | $25,000 | not stated | Not required | Tiered | |
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
Opening and using the account
| Availability | Available in MS |
|---|---|
| Footprint | 5 branches in MS |
| Eligibility | not stated |
How First National Bank of Clarksdale behaves over time
Every observation of the advertised Regular Savings rate in the last 12 months was 0.20% (observed through Aug 19, 2026). The series includes promotional tiers where one applied.
First National Bank of Clarksdale has not changed its advertised savings rate in the 29 weeks since Banksparency began tracking it.
First National Bank of Clarksdale CD rates over time
Who is First National Bank of Clarksdale?
| Headquarters | Clarksdale, MS |
|---|---|
| Scale | $393M assets · $350M deposits (Q1 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 19070 |
Financial detail is in What First National Bank of Clarksdale pays on deposits above.
Common questions about First National Bank of Clarksdale
Is First National Bank of Clarksdale FDIC insured?
Yes. First National Bank of Clarksdale is FDIC insured under certificate 19070, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at First National Bank of Clarksdale?
First National Bank of Clarksdale requires a minimum deposit of $100 to open its Regular Savings account, as observed on Aug 19, 2026. Check the bank's current terms before you open an account.
Does First National Bank of Clarksdale have branches?
Yes. First National Bank of Clarksdale operates 5 branches according to FDIC branch records, in addition to its website and mobile apps.
First National Bank of Clarksdale against its closest alternatives
| Bank | Savings APY | Rate paid (Q1 2026) | Min deposit | Branches |
|---|---|---|---|---|
| First National Bank of Clarksdale | 3.25% | 2.67% | $100,000 | 5 branches in MS |
| First Federal Savings and Loan Association | 3.25% | 2.97% | $25 | 6 branches in MS |
| Global Bank | 3.25% | 3.71% | $100 | 3 branches in NY |
| Affirm | 3.20% | 3.61% | $0 | not stated |
Alternatives are the three tracked banks whose best savings APY is closest to First National Bank of Clarksdale's.
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Rate hubs: today's best savings rates, CD rates by term, and money market rates.