Citizens National Bank savings and CD rates
Citizens National Bank advertises 3.50% APY on its Advantage Plus Savings account. The 3.50% applies to balances up to $2,000,000. A larger balance earns 2.00% on the whole amount.
Ranked #80 of 645 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 | 3.50% · Advantage Plus Savings · up to $2,000,000 only |
| Minimum to open | $25,000 · Advantage Plus Savings |
| Against the national average | 3.12 percentage points above the 0.38% FDIC savings average (Aug 2026) |
| CDs | |
| Top CD APY | 3.75% · 13 months · 13 Month Special CD |
| Minimum to open | $1,000 · 13 months CD |
| Against the national average | 2.04 percentage points above the 1.71% FDIC 12-month CD average (Aug 2026) |
| FDIC certificate | 3127 · Cameron, TX |
|---|---|
| Website | www.cnbanktexas.com |
| Branches | 13 branches in TX |
| Availability | Available in TX |
Citizens National Bank savings and CD rates
Personal
How the rate applies
IRA
Rates are APY. The national savings average is 0.38% (FDIC, Aug 2026). The top tracked savings rate on Banksparency is 5.00%. Across 57 savings accounts from 55 banks in the Banksparency core savings index, the median advertised rate is 3.51%, and one account in ten advertises 4.01% or more. See the highest savings rates.
Citizens National Bank CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| 6 months | 1.00% | $1,000 | 6 Month CD |
| 7 months | 3.70% | $1,000 | 7 Month Special CD |
| 12 months | 1.40% | $500 | 1 Year CD |
| 13 months | 3.75% | $1,000 | 13 Month Special CD |
| 18 months | 1.40% | $500 | 18 Month CD |
| 24 months | 1.40% | $500 | 2 Year CD |
| 36 months | 1.40% | $500 | 3 Year CD |
| IRA CDs | |||
| 6 months | 1.00% | $1,000 | 6 Month IRA CD |
| 12 months | 1.40% | $500 | 1 Year IRA CD |
| 18 months | 1.40% | $500 | 18 Month IRA CD |
| 24 months | 1.40% | $500 | 2 Year IRA CD |
| 36 months | 1.40% | $500 | 3 Year IRA CD |
Interactive Tool
Calculate Savings for Citizens National Bank
All calculations are based on APY.
Tiered rates: 2.00% to 3.50% APY across 4 balance tiers.
Savings Breakdown
- Interest Earned+$3,262.20(7.9%)
- Total Contributions$13,000
- Initial Deposit$25,000
Projected Balance
$41,262.20
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 all of its deposits 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 3.50% applies to balances up to $2,000,000. A larger balance earns 2.00% on the whole amount.
In Q1 2026, Citizens National Bank paid a higher average rate than 49% of U.S. banks (all-bank median 2.27%).
- Citizens National Bank, avg rate paid
- 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 every account that earns interest: savings, interest checking, money market accounts, CDs, and personal and business accounts at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years.
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 balances at the rates of earlier years, everyday transaction balances, and CDs that were priced in a different rate environment. 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 rate paid on interest-bearing deposits, quarterly. 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.
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 | 3.50% | $25,000 | $0 | $2,000,000 | not stated | None | Tiered | not enough history |
| Savings Account | 0.40% | $100 | $0 | None | not stated | None | One rate | not enough history |
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 | 1.00% | $1,000 | not stated | not stated |
| 7 Month Special CD | 7 months | 3.70% | $1,000 | not stated | not stated |
| 1 Year CD | 12 months | 1.40% | $500 | not stated | not stated |
| 13 Month Special CD | 13 months | 3.75% | $1,000 | not stated | not stated |
| 18 Month CD | 18 months | 1.40% | $500 | not stated | not stated |
| 2 Year CD | 24 months | 1.40% | $500 | not stated | not stated |
| 3 Year CD | 36 months | 1.40% | $500 | not stated | not stated |
| IRA CDs | |||||
| 6 Month IRA CD | 6 months | 1.00% | $1,000 | not stated | not stated |
| 1 Year IRA CD | 12 months | 1.40% | $500 | not stated | not stated |
| 18 Month IRA CD | 18 months | 1.40% | $500 | not stated | not stated |
| 2 Year IRA CD | 24 months | 1.40% | $500 | not stated | not stated |
| 3 Year IRA CD | 36 months | 1.40% | $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
- Rate last changed
- Sep 9, 2026(effective date)
$10,000 at the 3.50% APY Citizens National Bank advertises on Advantage Plus Savings grows to $10,350 in a year. Prices rose 3.4% in the year to July 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $10,014 does today. See how the federal funds rate shapes savings rates.
Citizens National Bank CD rates over time
Who is Citizens National Bank?
| Headquarters | Cameron, TX |
|---|---|
| Founded | 1900 |
| Scale | $668M assets · $582M deposits, $457M of it interest-bearing (Q1 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 3127 |
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 Sep 9, 2026. Check the bank's current terms before you open an account.
Does the 3.50% apply to my whole balance?
The 3.50% applies to balances up to $2,000,000. A larger balance earns 2.00% on the whole amount. Rates are as observed on Sep 9, 2026.
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 (Q1 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Citizens National Bank | 3.50% | 2.25% | $25,000 | 13 branches in TX |
| Buckeye State Bank | 3.50% | 2.66% | $50 | 6 branches in OH |
| Capital One | 3.50% | 3.03% | $0 | 252 branches across 9 states |
| E*TRADE from Morgan Stanley | 3.50% | 2.50% | $0 | 1 branch in NY |
Alternatives are the three tracked banks whose highest savings APY is closest to Citizens National Bank's.
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Rate hubs: today's highest savings rates, and CD rates by term.