Citizens National Bank savings, CD and money market rates
Citizens National Bank advertises 3.75% APY on its Advantage Plus Savings account. The 3.75% applies to balances of $500,000.01 or more, up to $2,000,000. Below $500,000.01, the account advertises 2.25%. A balance above $2,000,000 earns 2.00% on the whole amount.
Ranked #102 of 2786 tracked savings rates by advertised APY.
Estimate your earnings·What Citizens National Bank actually pays
Citizens National Bank at a glance
| Savings | |
|---|---|
| Top savings APY | 3.75% · Advantage Plus Savings · balances of $500,000.01 to $2,000,000 only |
| Minimum to open | $25,000 · Advantage Plus Savings |
| Against the national average | 3.38 percentage points above the 0.37% FDIC savings average (Sep 2026) |
| CDs | |
| Top CD APY | 3.90% · 13 months · 13 Month Special CD |
| Minimum to open | $1,000 · 13 months CD |
| Against the national average | 2.17 percentage points above the 1.73% FDIC 12-month CD average (Sep 2026) |
| Money market | |
| Top money market APY | Up to 1.65% · Premier Money Market Account · needs at least $150,000 |
| Minimum to open | $10,000 · Premier Money Market Account |
| Against the national average | 1.02 percentage points above the 0.63% FDIC money market average (Sep 2026) |
| FDIC certificate | 3127 · Cameron, TX |
|---|---|
| Website | www.cnbanktexas.com |
| Branches | 13 branches in TX |
| Availability | Available in TX |
Citizens National Bank savings, CD and money market rates
Personal
How the rate applies
How the rate applies
IRA
Rates are APY. The national savings average is 0.37% (FDIC, Sep 2026). The top tracked savings rate on Banksparency is 5.50%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.65%, and one account in ten advertises 4.16% or more. See the highest savings rates.
Citizens National Bank CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| 6 months | 1.25% | $1,000 | 6 Month CD |
| 7 months | 3.85% | $1,000 | 7 Month Special CD |
| 12 months | 1.65% | $500 | 1 Year CD |
| 13 months | 3.90% | $1,000 | 13 Month Special CD |
| 18 months | 1.65% | $500 | 18 Month CD |
| 24 months | 1.65% | $500 | 2 Year CD |
| 36 months | 1.65% | $500 | 3 Year CD |
| IRA CDs | |||
| 6 months | 1.25% | $1,000 | 6 Month IRA CD |
| 12 months | 1.65% | $500 | 1 Year IRA CD |
| 18 months | 1.65% | $500 | 18 Month IRA CD |
| 24 months | 1.65% | $500 | 2 Year IRA CD |
| 36 months | 1.65% | $500 | 3 Year IRA CD |
Interactive Tool
Calculate Savings for Citizens National Bank
All calculations are based on APY.
Tiered rates: 2.00% to 3.75% APY across 4 balance tiers.
Savings Breakdown
- Interest Earned+$3,686.80(8.8%)
- Total Contributions$13,000
- Initial Deposit$25,000
Projected Balance
$41,686.80
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Citizens National Bank pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined. The 3.75% applies to balances of $500,000.01 or more, up to $2,000,000. Below $500,000.01, the account advertises 2.25%. A balance above $2,000,000 earns 2.00% on the whole amount.
In Q2 2026, Citizens National Bank paid a higher average rate on savings and money market deposits than 63% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- Citizens National Bank, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Advantage Plus Savings | 3.75% | $25,000 | $0 | $2,000,000 | not stated | None | Tiered | |
| Fine print: Interest is paid only if the average monthly balance is $25,000 or more. The highest balance tier is capped at $2,000,000, and balances above that cap earn the same lower rate as the smallest balances. | ||||||||
| Savings Account | 0.40% | $100 | $0 | None | not stated | None | One rate | |
| Fine print: Three debits a month are free. Each further debit costs $3. | ||||||||
| Premier Money Market Account | 1.65% | $10,000 | $0 | None | not stated | None | Tiered | |
| Fine print: Six debits a month are free. Each further debit costs $7.50. In-person withdrawals are unlimited. | ||||||||
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| Personal CDs | |||||
| 6 Month CD | 6 months | 1.25% | $1,000 | not stated | not stated |
| 7 Month Special CD | 7 months | 3.85% | $1,000 | not stated | not stated |
| Fine print: At maturity this certificate rolls over to the bank's published 6-month certificate rate and terms. | |||||
| 1 Year CD | 12 months | 1.65% | $500 | not stated | not stated |
| 13 Month Special CD | 13 months | 3.90% | $1,000 | not stated | not stated |
| Fine print: At maturity this certificate rolls over to the bank's published 12-month certificate rate and terms. | |||||
| 18 Month CD | 18 months | 1.65% | $500 | not stated | not stated |
| 2 Year CD | 24 months | 1.65% | $500 | not stated | not stated |
| 3 Year CD | 36 months | 1.65% | $500 | not stated | not stated |
| IRA CDs | |||||
| 6 Month IRA CD | 6 months | 1.25% | $1,000 | not stated | not stated |
| 1 Year IRA CD | 12 months | 1.65% | $500 | not stated | not stated |
| 18 Month IRA CD | 18 months | 1.65% | $500 | not stated | not stated |
| 2 Year IRA CD | 24 months | 1.65% | $500 | not stated | not stated |
| 3 Year IRA CD | 36 months | 1.65% | $500 | not stated | not stated |
Opening and using the account
| Availability | Available in TX |
|---|---|
| Footprint | 13 branches in TX |
| Eligibility | Existing Citizens National Bank clients must fund the opening deposit with at least 10% of the money from another financial institution. |
How Citizens National Bank behaves over time
- 12-month high
- 3.75%
- 12-month low
- 3.50%
- Advertised now
- 3.75%
- At the 12-month high
- Observed cuts, 12 months
- 0
- In a window with 2 Federal Reserve cuts
The advertised Advantage Plus Savings rate, observed through Oct 10, 2026. The series includes promotional tiers where one applied.
Recent rate changes, as observed
- Obs. Sep 18, 2026Advantage Plus SavingsRaise:2.00%to2.25%
- Obs. Sep 18, 20266 Month CDRaise:1.00%to1.25%
- Obs. Sep 18, 20261 Year CDRaise:1.40%to1.65%
- Obs. Sep 18, 202618 Month CDRaise:1.40%to1.65%
- Obs. Sep 18, 20262 Year CDRaise:1.40%to1.65%
- Advantage Plus Savings
- Up 0.25 percentage points from 30 days ago.
- 13 months CD
- Up 0.15 percentage points from 30 days ago.
- Premier Money Market Account
- Up 0.15 percentage points from 30 days ago.
$10,000 at the 3.75% APY Citizens National Bank advertises on Advantage Plus Savings grows to $10,375 in a year. Prices rose 3.4% in the year to August 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $10,034 does today. See how the federal funds rate shapes savings rates.
- Advantage Plus Savings APY
- Banksparency savings index
Citizens National Bank CD rates over time
Who is Citizens National Bank?
| Headquarters | Cameron, TX |
|---|---|
| Founded | 1900 |
| Scale | $692M assets · $604M deposits, $473M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 3127 |
| Charter state | Texas · one of 349 insured banks chartered there (Q2 2026, FDIC) |
| Size | 1,349th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 80% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What Citizens National Bank pays on deposits above.
Common questions about Citizens National Bank
Is Citizens National Bank FDIC insured?
Yes. Citizens National Bank is FDIC insured under certificate 3127, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at Citizens National Bank?
Citizens National Bank requires a minimum deposit of $25,000 to open its Advantage Plus Savings account, as observed on Oct 10, 2026. Check the bank's current terms before you open an account.
Does the 3.75% apply to my whole balance?
The 3.75% applies to balances of $500,000.01 or more, up to $2,000,000. Below $500,000.01, the account advertises 2.25%. A balance above $2,000,000 earns 2.00% on the whole amount.
Does Citizens National Bank have branches?
Yes. Citizens National Bank operates 13 branches according to FDIC branch records, in addition to its website and mobile apps.
Citizens National Bank against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Citizens National Bank | 3.75% | 1.78% | $25,000 | 13 branches in TX |
| BrioDirect | 3.75% | 2.10% | $5,000 | not stated |
| CIBC Bank USA | 3.75% | 2.41% | $1,000 | 8 branches in FL, IL, MI, MO |
| CIT Bank | 3.75% | 2.95% | $100 | not stated |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to Citizens National Bank's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Texas, nearest to Citizens National Bank in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: banks in Texas.