Skip to main content

Ohio Homebuyer Plus Savings Program

Email or stop by any CNB office to apply!

Contact Us to Apply!

The American Dream could be a lot closer than before.

Planning to buy a new home in the next few years in Ohio? You could qualify to open a savings account made to help you buy your next home!

Earn Interest While Saving!

9.09% APY1

6.59% APY1

4.59% APY1

balances of $100 – $999.99! balances of $1000 – $49,999.99 balances of $50,000 +



Account Requirements:

    • $100 to open
    • Participants must be an Ohio resident
    • Must be at least 18 years of age
    • Primary residence is located in the State of Ohio
    • Account proceeds are to be used toward the down payment or closing costs of a home purchased in Ohio, to become a primary residence.


Up to $1250 off closing costs if you finance your home with CNB!

Receive $750 off closing costs just for having an Ohio Homebuyer Plus Savings account with us and financing your home with CNB.

Want an additional $500 off closing costs?2

If you have a CNB checking account with direct deposit you will qualify to receive an additional $500 off closing costs!

No checking account? No Problem! Open a new checking account with direct deposit in conjunction with your Ohio Homebuyer Plus savings account and you will qualify to receive an additional $500 off closing costs!


1Annual Percentage Yield (APY) accurate as of April 16, 2024. Rate and tiers are subject to change at our discretion. Account must maintain a minimum daily balance of $100 to earn interest. The maximum balance cannot exceed $100,000 excluding interest earned and credited. Balance tiers: $100-$999.99, 9.09% APY; $1000-$49,999.99, 6.59% APY; $50,000-$100,000, 4.59% APY. Fees could reduce earnings. Consult a tax advisor regarding individual circumstances and potential tax implications. Customer must agree to the Ohio Homebuyer Plus Participation Agreement prior to opening the account. View here.

2At the time of loan origination, a credit of $750 will be applied towards closing costs for a new home purchase financed through Citizens National Bank. An additional $500 will be applied towards closing costs if customer opens a new checking account, in conjunction with the Ohio Homebuyers Plus savings account. The checking account must have a direct deposit established within the first six (6) months of account opening. Existing checking accounts may be eligible to receive the additional $500 credit – direct deposit is required. The Ohio Homebuyer Plus savings account and checking account must be open and in good standing, at the time of the loan origination, to qualify for the closing cost credit. The credit cannot exceed the actual closing costs available and cannot be used to fund any portion of the down payment or reserve requirements. The credit has no cash value, unused funds will be forfeited. The credit is not applicable on FHA, VA, or USDA loans. Subject to credit approval and eligibility. We reserve the right to change this offer at any time. 


Every applicant must agree to the Ohio Homebuyer Plus Participation Statement prior to opening the account.


Our dedicated lenders will walk you through every step of the process of purchasing your new home. We recommend you get pre-approved prior to looking for a home so you know how much you’re able to afford and so sellers realize you’re a qualified buyer.

Personal Savings

At Citizens National Bank, we will help you find the perfect savings solution to reach your end goal.
Learn More


A home is one of the most important purchases you will make in your lifetime. As with any major decision, the more research and planning you do, the better you will feel about the decision you make.
Learn More
Chat Online