Save Now for a New Home Later!

Want a jumpstart on saving for a new home? Open an Ohio Homebuyer Plus Savings account with Citizens National Bank and earn up to 9.09% APY!*

The Ohio Treasurer’s Office developed this program to help people save faster for a new home. This high-rate savings account can be opened with as little as $500 and you can add to it as you’re able. To qualify you simply need to be at least 18 years of age with your primary residence in Ohio. The account may be opened for a maximum of 5 years and up to $100,000.

Account proceeds are to be used toward the down payment or closing costs of a home purchased in Ohio, to become a primary residence. If funds are not utilized for eligible purposes by the end of the 5-year term, the account will be closed and funds, including interest earned, returned to the accountholder, or moved to a non-Ohio Homebuyer Plus Savings account.

Receive up to $1250 off closing costs if you finance your new home through CNB! **

By having an Ohio Homebuyer Plus Savings account with CNB, you’ll automatically be eligible for $750 off closing costs if you finance your new home with us! Additionally, if you have a checking account with direct deposit at Citizens National Bank, you’ll receive an additional $500 off closing costs!

Ready to apply?  Check out this amazing opportunity on our website – https://www.cnbohio.com/homebuyer-plus-program/.  Email ohiohomebuyerplus@cnbohio.com to receive a link to apply online, or stop by any CNB office to apply in person.

*Annual Percentage Yield (APY) accurate as of May 1, 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: $500-$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.

**At 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 Homebuyer 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 for at least 90 days and in good standing, at the time of the loan origination, to qualify for the closing cost credits. The credits cannot exceed the actual closing costs available and cannot be used to fund any portion of the down payment or reserve requirements. The credits have no cash value, unused funds will be forfeited. The credits are 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.