Deposit Rates

Effective December 20, 2017


Account Type and Term

Minimum Opening Deposit

Minimum Balance Required to Obtain APY

Interest Rate1

Annual Percentage Yield2

Super Now Checking3
$1,000.00
$1,000.00 to $2,499.99
0.10% 0.10%

$2,500.00 to $24,999.99
0.15% 0.15%

$25,000.00 and above
0.20% 0.20%
Citizens Insured Money Account (CIMA)4
$2,500.00
$0.00 to $2,499.99 0.10% 0.10%


$2,500.00 to $9,999.99 0.15% 0.15%


$10,000.00 to $24,999.99 0.20% 0.20%


$25,000.00 and above 0.25% 0.25%
Electronic Savings5 $50.00 $0.00 and above 0.30% 0.30%
Statement Savings5 $50.00 $0.00 and above 0.10% 0.10%
Certificates of Deposit*



7 to 91 Day Fixed Rate
$1,000.00
$1,000.00 and above
0.40%
0.40%
6 Month Fixed Rate $1,000.00
$1,000.00 to $4,999.99
0.45%
0.45%
6 Month Fixed Rate $5,000.00
$5,000.00 and above
0.49%
0.49%
12 Month Fixed Rate $1,000.00
$1,000.00 to $4,999.99
0.55%
0.55%
12 Month Fixed Rate $5,000.00
$5,000.00 and above
0.60%
0.60%
18 Month Fixed Rate $1,000.00
$1,000.00 to $4,999.99
0.60%
0.60%
18 Month Fixed Rate $5,000.00
$5,000.00 and above
0.70%
0.702%
24 Month Fixed Rate $1,000.00
$1,000.00 to $4,999.99
0.60%
0.602%
24 Month Fixed Rate $5,000.00
$5,000.00 and above
0.70%
0.702%
36 Month, One-Time Change (Single Maturity)
$5,000.00
$5,000.00 and above
1.10%
1.106%
48 Month, One-Time Change (Single Maturity) $5,000.00
$5,000.00 and above
1.45%
1.46%
60 Month, One-Time Change (Single Maturity) $5,000.00
$5,000.00 and above
1.95%
1.968%
18 Month Variable IRA6 $5,000.00
$5,000.00 and above
0.70%
0.702%
27 Month Fixed Rate $25,000.00
$25,000.00 and above
0.95%
0.954%
60 Month, One-Time Change $25,000.00
$25,000.00 and above
2.00%
2.018%

1: 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 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 Payouts: 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.