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Certificates of Deposit Special Rates
| Term |
Type |
Annual
Percentage
Yield (APY)* |
Annual
Rate |
| 24 Month |
Daily Compounding ($5,000.00 Minimum Deposit) |
3.00% |
2.96% |
*APY is based on daily compounding of interest, credited quarterly. APY assumes interest is added to the principal balance. There is a penalty for early withdrawal. Fees could reduce earnings on the account. This Certificate of deposit is an automatic renewal account and will renew at the Citizens National Bank published rate for the 23-month certificate at the time of renewal.
Certificates of Deposit
| Term |
Type |
Annual
Percentage
Yield (APY)* |
Annual
Rate |
| 91 day |
Simple Interest |
1.75% |
1.74% |
| 182 day |
Simple Interest |
2.15% |
2.13% |
| 10 month |
Daily Compound ($1,500 Min) |
2.25% |
2.22% |
| 1 year |
Daily Compound |
2.25% |
2.22% |
| 15 month |
Daily Compound ($2,500 Min) |
2.25% |
2.22% |
| 18 month |
Daily Compound |
2.25% |
2.22% |
| 23 month |
Daily Compound ($2,500 Min) |
2.25% |
2.22% |
| 30 month |
Daily Compound |
3.25% |
3.20% |
| 48 month |
Daily Compound |
3.65% |
3.59% |
*APY is based on daily compounding of interest, credited quarterly. The 91- day and 182-day certificates of deposit are simple interest. APY assumes interest is added to the principle balance. There is a penalty for early withdrawal. Fees could reduce earning on the accounts. Rates are subject to change without notice. $500.00 Minimum deposit required to open all certificates of deposit unless otherwise stated.
IRA's
| Term |
Type |
Annual
Percentage
Yield (APY)* |
Annual
Rate |
| 91 day |
Simple Interest |
1.75% |
1.74% |
| 182 day |
Simple Interest |
2.15% |
2.13% |
| 10 month |
Daily Compound ($1,500 Min) |
2.25% |
2.22% |
| 1 year |
Daily Compound |
2.25% |
2.22% |
| 15 month |
Daily Compound ($2,500 Min) |
2.25% |
2.22% |
| 18 month |
Daily Compound |
2.25% |
2.22% |
| 23 month |
Daily Compound ($2,500 Min) |
2.25% |
2.22% |
| 30 month |
Daily Compound |
3.25% |
3.20% |
| 48 month |
Daily Compound |
3.65% |
3.59% |
| |
|
|
|
| IRA TDOA |
($100 Minimum) |
1.20% |
1.19% |
*APY is based on daily compounding of interest, credited quarterly. The 91-day and 182-day IRA deposits are simple interest. APY assumes interest is added to the principle. There is a penalty for early withdrawal. Fees could reduce earning on the accounts. Rates are subject to change without notice. $500 Minimum deposit is required to open an IRA's account unless otherwise stated.
Interest Bearing Checking Accounts
| Type |
Annual
Percentage
Yield (APY)* |
Annual
Rate |
| Choice Checking: ($500 Minimum) |
|
|
| Simple Interest Paid Monthly. |
.20% |
.20% |
| Freedom Checking: ($2,500 Minimum) |
|
|
| $1,000 to 9,999 |
.20 |
.20 |
| $10,000 to 49,000 |
.35 |
.35 |
| $50,000 and over |
1.00% |
.99% |
| ****** |
****** |
******** |
*APY assumes interest is added to the principle balance. Fees could reduce earnings on accounts. Rates are subject to change without notice. Accounts are simple interest and pay monthly.
Statement Savings
| Type |
Annual
Percentage
Yield (APY)* |
Annual
Rate |
| Less than $100 |
.20% |
.20% |
| $100-$4,999 |
.25% |
.25% |
| $5,000-$9,999 |
.50% |
.50% |
| $10,000-$24,999 |
.75% |
.75% |
| $25,000-$49,999 |
1.25% |
1.24% |
| $50,000 and Over |
1.50% |
1.49% |
*APY assumes interest is added to the principle balance. Fees could reduce earnings on accounts. Rates are subject to change without notice. Accounts are simple interest and paid quarterly.
Money Market Account
| Type |
Annual
Percentage
Yield(APY)* |
Annual
Rate |
| Money Market Account |
| $2,500 to 24,999 |
.35% |
.35% |
| $25,000 to 49,000 |
2.00% |
1.98% |
| $50,000 and over |
2.50% |
2.47% |
*APY assumes interest is added to the principle balance. Fees could reduce earnings on accounts. Rates are subject to change without notice. Accounts are simple interest and pay monthly
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