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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.

Christmas Club Account
Automatic Savings Account

Our Christmas Club Account affords you the convenience of keeping your funds for the holiday shopping separate from your traditional savings account. In addition, it pays interest on all balances greater than $50. All funds are direct deposited into a CNB checking or savings account in October.


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 form 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 11/18/15. Rates and tiers 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. After 6 months the applicable standard tiered variable rates for the Personal Savings Account will apply. Balances of $100,000 and above currently earn 0.05% APY; balances ranging between $25,000-$99,999.99 currently earn 0.03% APY; balances between $7,500-$24,999.99 currently earn 0.01% 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

Earn 0.35% APY* with an Automatic Savings Account!

Automatic Savings Account
More Information
Call to learn more about our savings accounts:
Mon. - Fri. 8:30 am - 5 pm EST
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