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Personal Savings

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

CNB savings solutions include personal savings accounts, money market accounts, and certificates of deposits.

To start saving right away, set up direct deposit or an automatic transfer from your checking to your savings account. You can view your account online at any time with Online Banking.

Try the Savings Goal calculator to see what it will take to reach your goal!

OPEN ACCOUNT
Goal-Based Savings
Personal Savings
Student Savings
Christmas Club Savings
Certificates of Deposit
Money Market Account

Goal-Based Savings


CNB’s Goal-Based Savings Account makes saving for a specific goal easier.

Once you open the account, title it based on the goal you’re trying to achieve, such as vacation, furniture, or college, and set the amount you plan to save. By naming the account in advance, you’re more likely to use the money for your set goal and feel a sense of accomplishment once you’ve achieved it.

Reached your goal? Set another one and keep saving! Change the account title within Online or Mobile Banking to reflect your new goal.

Features

  • FDIC insured.
  • Earns interest. (ask for requirements)
  • Available without monthly service fees. (ask for requirements) 
  • Ability to add funds at any time.
    • Deposit cash.
    • Transfer funds through Online or Mobile Banking.
    • Auto Transfer.
    • Establish Direct Deposit.
  • Access account through Online Banking and Mobile Banking.
  • 2 goal-based savings accounts may be opened, in addition to other CNB accounts.
OPEN ACCOUNT

Requirements

  • $25 minimum opening balance.
  • $250 minimum balance required to earn interest.
  • $250 minimum balance required to waive the monthly service fee.

Personal Savings


Our Personal Savings Account offers flexibility.

With a low minimum opening balance, you can start saving with as little as $25.

Features

  • FDIC insured.
  • Earns interest. (ask for requirements) 
  • Available without monthly service fees. (ask for requirements) 
  • Ability to add funds at anytime.
    • Deposit cash.
    • Transfer funds through Online or Mobile Banking.
    • Auto Transfer.
    • Establish Direct Deposit.
  • Access account through Online Banking and Mobile Banking.
OPEN ACCOUNT

Requirements

  • $25 minimum opening balance.
  • $250 minimum balance required to earn interest.
  • $250 minimum balance required to waive the monthly service fee.
  • No minimum balance is required for anyone under the age of 23.

Student Savings


Start saving for your future!

Our Student Savings Account allows children through young adults to save money for a future purchase, like education or a car.

CNB waives service fees on this account for those under age 23. This account automatically switches to a Personal Savings Account at age 23.

Features

  • FDIC insured.
  • Earns interest. (ask for requirements) 
  • Available without monthly service fees. (ask for requirements) 
  • Ability to add funds at anytime.
    • Deposit cash.
    • Transfer funds through Online or Mobile Banking.
    • Auto Transfer.
    • Establish Direct Deposit.
  • Access account through Online Banking and Mobile Banking

Requirements

  • $25 minimum opening balance.
  • No minimum balance required to waive service fee for anyone under the age of 23.
  • $250 minimum balance required to earn interest.
  • Account automatically switches to a Personal Savings at age 23.

Christmas Club Savings


Keep your holiday money separate.

Add to it throughout the year and have it automatically transfer to your checking or savings account in October.

Features

  • FDIC insured.
  • Earns interest. (ask for requirements) 
  • Pays interest. (ask for requirements) 
  • Ability to add funds at any time.
    • Deposit cash.
    • Transfer funds through Online or Mobile Banking.
    • Auto Transfer.
    • Establish Direct Deposit.
  • Access account through Online Banking and Mobile Banking.

Requirements

  • $25 minimum opening balance.
  • Must have a linked CNB checking or savings account to waive the monthly service fee.
  • $50 minimum balance required to earn interest.

Certificates of Deposit


Many savers enjoy the security of a Certificate of Deposit.

A certificate of deposit is a savings account that earns interest on a set amount of money over a fixed period of time. The money must remain in the account for the entire term or you may incur penalty fees or lost interest. Terms range from days to years. Penalties vary for early withdrawal.

Features

  • FDIC insured.
  • Flexible terms range from days to years.
  • No monthly maintenance fee.
  • Earns interest. (ask for requirements)

Requirements

  • $500 minimum opening balance.
  • CD Specials may require a higher opening balance.
  • May carry varying penalties for early withdrawals.

Money Market Account


CNB’s Money Market Accounts give you the flexibility to access your savings when you need it.

A money market is a good option for establishing an emergency fund or saving for a large purchase.

Features

  • FDIC insured
  • An unlimited number of withdrawals in person at any of our branches.
  • Earns interest. (ask for requirements)

Requirements

  • $5,000 to open and earn interest.
  • $2,500 minimum balance is required to waive the monthly service fee.

CNB’s Goal-Based Savings Account makes saving for a specific goal easier.

Once you open the account, title it based on the goal you’re trying to achieve, such as vacation, furniture, or college, and set the amount you plan to save. By naming the account in advance, you’re more likely to use the money for your set goal and feel a sense of accomplishment once you’ve achieved it.

Reached your goal? Set another one and keep saving! Change the account title within Online or Mobile Banking to reflect your new goal.

Features

  • FDIC insured.
  • Earns interest. (ask for requirements)
  • Available without monthly service fees. (ask for requirements) 
  • Ability to add funds at any time.
    • Deposit cash.
    • Transfer funds through Online or Mobile Banking.
    • Auto Transfer.
    • Establish Direct Deposit.
  • Access account through Online Banking and Mobile Banking.
  • 2 goal-based savings accounts may be opened, in addition to other CNB accounts.
OPEN ACCOUNT

Requirements

  • $25 minimum opening balance.
  • $250 minimum balance required to earn interest.
  • $250 minimum balance required to waive the monthly service fee.

Our Personal Savings Account offers flexibility.

With a low minimum opening balance, you can start saving with as little as $25.

Features

  • FDIC insured.
  • Earns interest. (ask for requirements) 
  • Available without monthly service fees. (ask for requirements) 
  • Ability to add funds at anytime.
    • Deposit cash.
    • Transfer funds through Online or Mobile Banking.
    • Auto Transfer.
    • Establish Direct Deposit.
  • Access account through Online Banking and Mobile Banking.
OPEN ACCOUNT

Requirements

  • $25 minimum opening balance.
  • $250 minimum balance required to earn interest.
  • $250 minimum balance required to waive the monthly service fee.
  • No minimum balance is required for anyone under the age of 23.

Start saving for your future!

Our Student Savings Account allows children through young adults to save money for a future purchase, like education or a car.

CNB waives service fees on this account for those under age 23. This account automatically switches to a Personal Savings Account at age 23.

Features

  • FDIC insured.
  • Earns interest. (ask for requirements) 
  • Available without monthly service fees. (ask for requirements) 
  • Ability to add funds at anytime.
    • Deposit cash.
    • Transfer funds through Online or Mobile Banking.
    • Auto Transfer.
    • Establish Direct Deposit.
  • Access account through Online Banking and Mobile Banking

Requirements

  • $25 minimum opening balance.
  • No minimum balance required to waive service fee for anyone under the age of 23.
  • $250 minimum balance required to earn interest.
  • Account automatically switches to a Personal Savings at age 23.

Keep your holiday money separate.

Add to it throughout the year and have it automatically transfer to your checking or savings account in October.

Features

  • FDIC insured.
  • Earns interest. (ask for requirements) 
  • Pays interest. (ask for requirements) 
  • Ability to add funds at any time.
    • Deposit cash.
    • Transfer funds through Online or Mobile Banking.
    • Auto Transfer.
    • Establish Direct Deposit.
  • Access account through Online Banking and Mobile Banking.

Requirements

  • $25 minimum opening balance.
  • Must have a linked CNB checking or savings account to waive the monthly service fee.
  • $50 minimum balance required to earn interest.

Many savers enjoy the security of a Certificate of Deposit.

A certificate of deposit is a savings account that earns interest on a set amount of money over a fixed period of time. The money must remain in the account for the entire term or you may incur penalty fees or lost interest. Terms range from days to years. Penalties vary for early withdrawal.

Features

  • FDIC insured.
  • Flexible terms range from days to years.
  • No monthly maintenance fee.
  • Earns interest. (ask for requirements)

Requirements

  • $500 minimum opening balance.
  • CD Specials may require a higher opening balance.
  • May carry varying penalties for early withdrawals.

CNB’s Money Market Accounts give you the flexibility to access your savings when you need it.

A money market is a good option for establishing an emergency fund or saving for a large purchase.

Features

  • FDIC insured
  • An unlimited number of withdrawals in person at any of our branches.
  • Earns interest. (ask for requirements)

Requirements

  • $5,000 to open and earn interest.
  • $2,500 minimum balance is required to waive the monthly service fee.

Piggy Bank sitting on a calculator promoting financial calculators.

Financial Calculators

By clicking the link above, you have access to many financial calculators. These calculators can assist you with making your next important financial decisions and help plan for your financial future.

Saving for a New Home?

Purchasing a home is one of the most important decisions you’ll ever make. Our Home Buyer Savings Calculator will help you create a savings plan toward your home purchase down payment. Simply use your purchase price to calculate how much you need to save each month. Fine-tune your plan by adjusting any of the inputs including purchase price and the number of years you wish to save.

Get pre-approved for your loan today! You can apply online at your convenience or set an appointment to talk to a lender to get your questions answered.

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