The Citizens National Bank offers a wide range of CDs with competitive rates that meet your needs. Get started by speaking to a Customer Service Representative at your local CNB branch.

Certificates of Deposit

Length of Term Options

7 Days – 60 Months

Minimum Opening Deposit
Term < 91 Days: $5,000.
Term > 91 Days: $500.
Term = 2-Step 15 Month: $5,000.
Renewal Terms
Same term as COD
Grace Period
10 Calendar Days After the Maturity Date
Interest Payment
Compounded, credited to named account or paid by check
Interest Calculated
Daily Balance Method
Early Withdrawal Penalty
Term < 365 Days = 90 Days Interest on Amount Withdrawn
Term > 365 Days = 180 Days Interest on Amount Withdrawn

** Withdrawals made from a bank certificate of deposit before the maturity date may result in substantial penalty.
(Please consult your Tax Advisor for information on which product is right for you)