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Savings, Money Markets and CD's

From personal savings accounts and money markets to long-term CD's, we want to make it easy for you to save by offering direct deposit, automatic transfers from your checking to savings, and online banking to let you view your accounts at any time.

Personal Savings Account

Our Personal Savings Account offers flexibility. With a low minimum opening balance, this account is suitable for anyone with any amount of money. A $250 minimum balance is required to earn interest and waive the monthly service fee.

Youth Savings (up to age 21)
Our Youth Savings Account allows you to keep your money for a future goal rather than using it to buy products or services. The monthly service fee is waived and accounts earn interest on balances of $250 or more. Learn about our Student Checking here.

Money Market Account

A money market is a good option for establishing an emergency fund or saving for a specific goal. You are permitted an unlimited number of withdrawals in person at any of our branches. Additionally, you can make transfers to another account or to third parties by pre-authorized, automatic or telephone transfers. These transfers are limited to six per month.

Certificates of Deposit (CDs)

Many savers enjoy the security of CDs, where their money can earn an attractive rate without tempting them into early withdrawals. You can open a CD for as little as $500, with terms ranging from days to years. CDs may carry varying penalties for early withdrawal. Your interest rate remains fixed for the term of the CD.

Personal Savings Account
Certificate of Deposit
Amount to open account $25 $500*
Available without a monthly fee YES
$250 minimum account balance, or if under age 21
Pays Interest YES YES
Add to account whenever you wish YES NO
Accessible by Online Banking YES YES
View account information and balances only.
FDIC insured YES YES

*CD Specials may require a higher opening balance.

Automatic Savings Account

Automatic Savings Account

Stop by your local CNB office today, open an Automatic Savings Account with Direct Deposit or Automatic Transfer from your checking account and start SAVING!

Plus...CNB will help you save MORE with an intro rate of

0.35% APY*
*Annual percentage yield (APY) accurate as of 7/3/13. Rates are subject to change at the bank's discretion. The above stated APY is guaranteed on all balances for the first 6 months after the account is opened. Minimum opening balance is $25. Minimum daily balance of $250 required to earn APY. After 6 months the applicable standard tiered variable rates for the Personal Savings Account will apply. Balances of $100,000 and above currently earn 0.07% APY; balances ranging between $25,000-$99,999.99 currently earn 0.05% APY; balances between $7,500-$24,999.99 currently earn 0.03% APY; balances between $2,500-$7,499.99 currently earn 0.01% APY; balances between $250-$2,499.99 currently earn 0.01% APY; balances below $250 do not earn interest. CNB Checking account and direct deposit or automatic transfer into savings account of at least $50 per month are required. Standard tiers will apply if these are not established within 90 days. Non-personal, public and brokered funds not accepted. Funds currently on deposit with Citizens National Bank are not eligible for this offer. Fees could reduce earnings.

Special Offer
bump rate

*You have the option to increase your interest rate one time during the initial term of this account and may use this option at any time. If you choose this option, we will change the interest rate on your account to the rate we are currently paying on time deposits with a term equal to or less than the remaining term left on your initial account until maturity. The interest rate on certificates of deposit is set at the Bank's discretion. There is a possibility that this rate may not increase during the next 36 months and you will not have the opportunity to elect for the bump rate option.