We want to make it easy for you to save!

Consider your lifestyle and fit these saving tips into it. Don't try to force a million changes on you and your family in one day. It's a slow process that changes your behavior over a period of time. Take your current behavior and set small milestones.

  • Make Saving Automatic
    Set up an automatic transfer into a savings account. You can easily set up an automatic transfer on a regular basis from your checking to your savings account within online banking.
  • Split Your Direct Deposit
    When you get paid, have a portion of your paycheck go directly into a savings account.
  • Delink Your Accounts
    Delink your savings account from your ATM card. This eliminates the temptation to withdraw money from your savings for small purchases.
  • Go Cash Only For 15 - 30 Days
    Using cash only forces you to be a conscious spender. Rather than blindly using your credit card and deferring whether it's worth it or not until your bill comes using cash forces you to make that decision when you pay.
  • Start The 52 Week Savings Challenge
    Start with just $1 in week one. By increasing the amount saved by just $1 per week, in 52 weeks you will have accumulated almost $1,400! Download the Challenge Worksheet!



  • $25 to open
  • $250 minimum balance is required to waive the monthly service fee  
  • Set up Direct Deposit or Automatic Transfer from your Checking account


Annual percentage yield (APY) accurate as of 06/22/2021. 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.

More Information

To learn more about our savings options, call:


Mon - Fri: 8:30 AM - 5:00 PM EST


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Looking to earn interest while still having access to your funds?

At CNB, we offer both traditional and accounts through IntraFi Network that provided higher limits of FDIC insurance.

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