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Deposit Rates

A table with information about personal accounts
 Minimum Opening DepositMinimum Balance Required to Obtain APYInterest RateAnnual Percentage Yield
Super Now CheckingMinimum Opening Deposit$1,000Minimum Balance Required to Obtain APY$1,000.00 to $2,499.99Interest Rate0.10%Annual Percentage Yield0.10%
Minimum Opening DepositMinimum Balance Required to Obtain APY$2,500.00 to $24,999.99Interest Rate0.20%Annual Percentage Yield0.20%
Minimum Opening DepositMinimum Balance Required to Obtain APY$25,000.00 and aboveInterest Rate0.25%Annual Percentage Yield0.25%
Citizens Insured Money account (CIMA)Minimum Opening Deposit$2,500.00Minimum Balance Required to Obtain APY$0.00 to $2,499.99Interest Rate0.10%Annual Percentage Yield0.10%
Minimum Opening DepositMinimum Balance Required to Obtain APY$2,500.00 to $9,999.99Interest Rate0.25%Annual Percentage Yield0.25%
Minimum Opening DepositMinimum Balance Required to Obtain APY$10,000.00 to $24,999.99Interest Rate0.40%Annual Percentage Yield0.40%
Minimum Opening DepositMinimum Balance Required to Obtain APY$25,000.00 and aboveInterest Rate0.50%Annual Percentage Yield0.50%
Electronic SavingsMinimum Opening Deposit$50.00Minimum Balance Required to Obtain APY$0.00 and aboveInterest Rate0.25%Annual Percentage Yield0.25%
Statement SavingsMinimum Opening Deposit$50.00Minimum Balance Required to Obtain APY$0.00 and aboveInterest Rate0.15%Annual Percentage Yield0.15%
 
A table with information about CDs accounts
 Minimum Opening DepositMinimum Balance Required to Obtain APYInterest RateAnnual Percentage Yield
7 to 91 Day Fixed Rate$1,000.00$1,000.00 and above0.300%0.30%
6 Month Fixed Rate$1,000.00$1,000.00 to $4,999.990.300%0.30%
6 Month Fixed Rate$5,000.00$5,000.00 and above0.349%0.35%
12 Month Fixed Rate$1,000.00$1,000.00 to $4,999.990.449%0.45%
12 Month Fixed Rate$5,000.00$5,000.00 and above0.499%0.50%
18 Month Fixed Rate$1,000.00$1,000.00 to $4,999.990.499%0.50%
18 Month Fixed Rate$5,000.00$5,000.00 and above0.549%0.55%
24 Month Fixed Rate$1,000.00$1,000.00 to $4,999.990.549%0.55%
24 Month Fixed Rate$5,000.00$5,000.00 and above0.598%0.60%
36 Month, One-Time Change$5,000$5,000.00 and above0.797%0.80%
48 Month, One-Time Change$5,000.00$5,000.00 and above0.995%1.00%
60 Month, One-Time Change$5,000.00$5,000.00 and above1.243%1.25%
18 Month Variable IRA$5,000.00$5,000.00 and above0.549%0.55%
60 Month, One-Time Change$25,000.00$25,000.00 and above1.292%1.30%
 
  1. Effect of Fees: Fees could reduce the earning on the account. Early Account Closure Fee applies to all accounts closed within 60 days of opening. Early Account Closure fee is $25.00 as of September 1, 2016.
  2. Deposit must remain in account for one year and meet minimum balance requirements to obtain advertised annual percentage yield.
  3. You must maintain a minimum daily balance of $1,000.00 to obtain the disclosed annual percentage yield. this is a variable rate account; the rate(s) and APY(s) may change after the account is opened. No monthly charge if balance remains at $1,000.00 or higher; if balance falls below $1,000.00, a fee of $7.50 per month and $0.15 per debit will apply.
  4. This is a variable rate account; the rate(s) and APY(s) may change after the account is opened. No monthly charge if balance remains at $2,500.00 or higher; if balance falls below $2,500.00, a fee of $7.50 per month and $0.15 per debit will apply.
  5. This is a variable rate account; the rate(s) and APY(s) may change after the account is opened. No monthly charge if balance remains at $50.00 or higher; if balance falls below $50.00, a fee of $5.00 per month will apply. Dormant Savings Accounts will incur a $5.00 monthly fee if inactive for two years.
  6. You must maintain a minimum daily balance of $5,000.00 to obtain the disclosed annual percentage yield. This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.

*Early Withdrawal Penalties: A penalty will or may be imposed for early withdrawal for all time deposit accounts. Contact a Citizens National bank IRA or CD specialist for more information.

*Required Interest Payout: For non-compounding time accounts with a stated maturity greater than one year that do not compound interest on an annual or more frequent basis and require interest payouts at least annually, interest cannot remain on deposit and payout of interest is mandatory. Contact a Citizens National Bank IRA or CD specialist for more information.

Transaction limits and other restrictions may apply with certain deposit products. Maintaining minimum balance(s) is required to obtain any disclosed annual percentage yields. Early withdrawal penalties may apply with all IRA or CD types. Allowing IRA or CD to reach full maturity with minimum opening balance is required to obtain any disclosed annual percentage yields.

Rates are accurate as of March 13, 2020. Rates are subject to change. Please contact us with any questions regarding our deposit interest rates.

 

 
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