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Add free CNB Savings to your CNB checking account for automatic rewards transfers — and a whopping 1.00% Annual Percentage Yield (APY)*!

  • Free account that builds your savings effortlessly
  • Links to free CNB Interest or CNB Money checking
  • Automatic transfers of CNB Interest or CNB Money earnings
  • 1.00%  Annual Percentage Yield, APY* on balances up to $5,000
  • 1.00% to 0.24% APY on balances over $5,000 depending on balance in account*
  • 0.05% APY* if qualifications are not met on CNB Interest or CNB Money
  • No monthly service fee
  • No minimum balance to earn rewards
  • Free online banking
  • Free mobile banking
  • Free eStatements
  • $10 minimum deposit to open


Easy Banking Basics Are Your Key to Rewards!

Qualifying for your CNB Interest or CNB Money rewards automatically qualifies you for the highest CNB Savings rate. Enrollments must be in place and all of the following transactions and activities must post and settle to your CNB Interest or CNB Money account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

That's it. Even if you don't meet your qualifications during the cycle, your accounts are still free. Plus, you'll still earn our base interest rate on CNB Savings. And you can get right back to earning your full rewards the very next month!



Rates last updated 4/27/2022. Rates are subject to change without notice.

*Your stated APY (Annual Percentage Yield) is variable and may change at any time at the discretion of Citizens National Bank. The disclosed APY assumes that interest will remain on deposit. Fees could reduce earnings and APY. Interest is compounded quarterly. Interest is credited to your account quarterly. We use the daily balance method to calculate the interest earned on your account. The daily balance method applies a daily periodic rate to the account balance each day.