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Deposit Rates

A table with information about CDs accounts
Minimum Opening Deposit1Minimum Balance Required to Obtain APY2Interest Rate3Annual Percentage Yield4
7 to 91 Day Fixed Rate$1,000.00$1,000.00 and above0.10%0.10%
6 Month Fixed Rate$1,000.00$1,000.00 to $4,999.990.15%0.15%
6 Month Fixed Rate$5,000.00$5,000.00 and above0.20%0.20%
11 Month Fixed Rate​​​​​​​$25,000.00$25,000.00 and above4.46%4.55%
12 Month Fixed Rate$1,000.00$1,000.00 to $4,999.993.20%3.25%
12 Month Fixed Rate$5,000.00$5,000.00 and above3.45%3.50%
15 Month Fixed Rate$5,000.00$5,000.00 and above4.22%4.30%
18 Month Fixed Rate$1,000.00$1,000.00 to $4,999.992.23%2.25%
18 Month Fixed Rate$5,000.00$5,000.00 and above2.47%2.50%
24 Month Fixed Rate$1,000.00$1,000.00 to $4,999.992.23%2.25%
24 Month Fixed Rate$5,000.00$5,000.00 and above2.47%2.50%
36 Month, One-Time Change$5,000.00$5,000.00 and above2.23%2.25%
48 Month, One-Time Change$5,000.00$5,000.00 and above1.98%2.00%
60 Month, One-Time Change$5,000.00$5,000.00 and above1.74%1.75%
 

1Minimum opening deposit is the minimum amount required to open the account type.

2Minimum balance must remain in the account for one year and meet the minimum balance requirements to obtain advertised annual percentage yield. For certain CDs and IRA CDs: You must maintain a minimum daily balance of the specified amount to obtain the disclosed annual percentage yield.

3Required 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. Rates are accurate as of June 12, 2023. Rates are subject to change. Please contact us with any questions regarding our deposit interest rates.

4For variable rate accounts, the rate(s) and APY(s) may change after the account is opened. For all accounts, after maturity, if you choose to roll over your CD, you will earn the base rate of annual percentage yield (APY) in effect at that time. Allowing IRA or CD to reach full maturity with minimum opening balance is required to obtain any disclosed annual percentage yield. Effect of Fees: Fees could reduce the earnings on the account. Early account closure fee applies to all accounts closed within 60 days of opening. Early account closure fee is $25.00. Early withdrawal penalties: A penalty may be imposed for early withdrawal for all time deposit accounts. Contact a Citizens National Bank IRA or CD Specialist for more information.

Transaction limits and other restrictions may apply with certain deposit products. Additional terms and fees are accurate as of the listed dates. Please contact us with any questions regarding our fees and charges by calling 740-962-4565.

 
A table with information about personal accounts
Minimum Opening Deposit1Minimum Balance Required to Obtain APY2Interest Rate3Annual Percentage Yield4
Citizens+ Checking
Minimum Opening Deposit1
$2,500.00
Minimum Balance Required to Obtain APY2
$2,500.00 to $24,999.99
Interest Rate3
0.10%
Annual Percentage Yield4
0.10%
Minimum Opening Deposit1
Minimum Balance Required to Obtain APY2
$25,000.00 and above
Interest Rate3
0.15%
Annual Percentage Yield4
0.15%
Super Non-Profit Checking
Minimum Opening Deposit1
$1,000.00
Minimum Balance Required to Obtain APY2
$1,000.00 to $2,499.99
Interest Rate3
0.05%
Annual Percentage Yield4
0.05%
Minimum Opening Deposit1
Minimum Balance Required to Obtain APY2
$2,500.00 to $24,999.99
Interest Rate3
0.10%
Annual Percentage Yield4
0.10%
Minimum Opening Deposit1
Minimum Balance Required to Obtain APY2
$25,000.00 and above
Interest Rate3
0.15%
Annual Percentage Yield4
0.15%
Super Now Checking
Minimum Opening Deposit1
$1,000.00
Minimum Balance Required to Obtain APY2
$1,000.00 to $2,499.99
Interest Rate3
0.05%
Annual Percentage Yield4
0.05%
Minimum Opening Deposit1
Minimum Balance Required to Obtain APY2
$2,500.00 to $24,999.99
Interest Rate3
0.10%
Annual Percentage Yield4
0.10%
Minimum Opening Deposit1
Minimum Balance Required to Obtain APY2
$25,000.00 and above
Interest Rate3
0.15%
Annual Percentage Yield4
0.15%
Citizens Insured Money Account (CIMA)
Minimum Opening Deposit1
$2,500.00
Minimum Balance Required to Obtain APY2
$0.00 to $2,499.99
Interest Rate3
0.05%
Annual Percentage Yield4
0.05%
Minimum Opening Deposit1
Minimum Balance Required to Obtain APY2
$2,500.00 to $9,999.99
Interest Rate3
0.15%
Annual Percentage Yield4
0.15%
Minimum Opening Deposit1
Minimum Balance Required to Obtain APY2
$10,000.00 to $24,999.99
Interest Rate3
0.20%
Annual Percentage Yield4
020%
Minimum Opening Deposit1
Minimum Balance Required to Obtain APY2
$25,000.00 and above
Interest Rate3
0.25%
Annual Percentage Yield4
0.25%
Electronic Savings
Minimum Opening Deposit1
$50.00
Minimum Balance Required to Obtain APY2
$0.00 and above
Interest Rate3
0.15%
Annual Percentage Yield4
0.15%
Statement Savings
Minimum Opening Deposit1
$50.00
Minimum Balance Required to Obtain APY2
$0.00 and above
Interest Rate3
0.05%
Annual Percentage Yield4
0.05%
 

Citizens+ Terms and Conditions: You must maintain a minimum daily balance of $2,500.00 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 change if the balance remains at $2,500.00 or higher; if the balance falls below $2,500.00, a fee of $8.95 per month will apply. The terms accurate as of June 12, 2023.

Super Non-Profit Terms and Conditions: 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 the balance remains at $1,000.00 or higher; if balance falls below $1,000.00, a fee of $7.50 per month will apply. The terms are accurate as of June 12, 2023.

CIMA Terms and Conditions:  This is a variable rate account; the rate(s) and APY(s) may change after the account is opened. No monthly charge if the balance remains at $2,500.00 or higher; if the balance falls below $2,500.00, a fee of $7.50 per month and $0.20 per debit will apply. The terms are accurate as of June 12, 2023. 

Savings Terms and Conditions: This is a variable rate account; the rate(s) and APY(s) may change after the account is opened. No monthly charge is the balance remains at $50.00 or higher; if the 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. The terms are accurate as of June 12, 2023.

Transaction limits and other restrictions may apply with certain deposit products. Additional terms and fees are accurate as of the listed dates. Please contact us with any questions regarding our fees and charges by calling 740-962-4565.

 
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