The City National Bank and Trust Company of Lawton, Oklahoma savings and CD rates
The City National Bank and Trust Company of Lawton, Oklahoma advertises 2.00% APY on its CNB High-Yield Savings account. The 2.00% applies to balances up to $200,001. The bank states no rate for the balance above that.
A checking account at the bank is required. That is 1.63 percentage points above the national savings average of 0.37% (FDIC, Sep 2026).
Ranked #501 of 2767 tracked savings rates by advertised APY. For a $10,000 balance it would rank #342.
Estimate your earnings·What The City National Bank and Trust Company of Lawton, Oklahoma actually pays
The City National Bank and Trust Company of Lawton, Oklahoma at a glance
| Savings | |
|---|---|
| Top savings APY | 2.00% · CNB High-Yield Savings · up to $200,001 only · checking account required |
| Minimum to open | $50 · CNB High-Yield Savings |
| Against the national average | 1.63 percentage points above the 0.37% FDIC savings average (Sep 2026) |
| CDs | |
| Top CD APY | 3.79% · 6-11 months · 180-364 Day CD |
| Minimum to open | $500 · 6-11 months CD |
| Against the national average | 2.38 percentage points above the 1.41% FDIC 6-month CD average (Sep 2026) |
| FDIC certificate | 4132 · Lawton, OK |
|---|---|
| Website | www.cnb1901.com |
| Branches | 39 branches in KS, OK |
| Availability | Available in KS, OK |
The City National Bank and Trust Company of Lawton, Oklahoma savings and CD rates
Personal
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 60 savings accounts from 59 banks in the Banksparency core savings index, the median advertised rate is 3.66%, and one account in ten advertises 4.16% or more. See the highest savings rates.
The City National Bank and Trust Company of Lawton, Oklahoma CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| 3-5 months | 3.03% | $500 | 90-179 Day CD |
| 6-11 months | 3.79% | $500 | 180-364 Day CD |
| 12-17 months | 3.50% | $500 | 12-17 Month CD |
| 18-23 months | 3.25% | $500 | 18-23 Month CD |
| 18 months | 3.30% | $500 | 18 Month CD (Compounding Monthly) |
| 24-29 months | 3.25% | $500 | 24-29 Month CD |
| 24 months | 3.30% | $500 | 24 Month CD (Compounding Monthly) |
| 36-47 months | 3.00% | $500 | 36-47 Month CD |
| 36 months | 3.04% | $500 | 36 Month CD (Compounding Monthly) |
| 48-59 months | 3.00% | $500 | 48-59 Month CD |
| 48 months | 3.04% | $500 | 48 Month CD (Compounding Monthly) |
| 60 months | 3.00% | $500 | 60 Month and Longer CD |
| 60 months | 3.04% | $500 | 60 Month CD (Compounding Monthly) |
| IRA CDs | |||
| 12 months | 0.30% | $500 | 1-Year IRA |
Interactive Tool
Calculate Savings for The City National Bank and Trust Company of Lawton, Oklahoma
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$764.20(5.2%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,764.20
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What The City National Bank and Trust Company of Lawton, Oklahoma 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 2.00% applies to balances up to $200,001. The bank states no rate for the balance above that.
In Q2 2026, The City National Bank and Trust Company of Lawton, Oklahoma paid a higher average rate on savings and money market deposits than 56% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- The City National Bank and Trust Company of Lawton, Oklahoma, 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 |
|---|---|---|---|---|---|---|---|---|
| CNB High-Yield Savings | 2.00% | $50 | $0 | $200,001 | not stated | Checking account | One rate | not enough history |
| Fine print: Rate applies when the account's monthly qualifications are met. Otherwise the account pays a lower base rate. Qualification is earned through a linked CNB High-Yield Checking or CNB Cash Back checking account. The stated APY applies to balances up to $200,001, and the portion above $200,001 earns a lower rate. Each withdrawal after the first in a statement cycle costs $3. Limit one account per customer. | ||||||||
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 | |||||
| 90-179 Day CD | 3-5 months | 3.03% | $500 | not stated | not stated |
| 180-364 Day CD | 6-11 months | 3.79% | $500 | not stated | not stated |
| 12-17 Month CD | 12-17 months | 3.50% | $500 | not stated | not stated |
| 18-23 Month CD | 18-23 months | 3.25% | $500 | not stated | not stated |
| 18 Month CD (Compounding Monthly) | 18 months | 3.30% | $500 | not stated | not stated |
| 24-29 Month CD | 24-29 months | 3.25% | $500 | not stated | not stated |
| 24 Month CD (Compounding Monthly) | 24 months | 3.30% | $500 | not stated | not stated |
| 36-47 Month CD | 36-47 months | 3.00% | $500 | not stated | not stated |
| 36 Month CD (Compounding Monthly) | 36 months | 3.04% | $500 | not stated | not stated |
| 48-59 Month CD | 48-59 months | 3.00% | $500 | not stated | not stated |
| 48 Month CD (Compounding Monthly) | 48 months | 3.04% | $500 | not stated | not stated |
| 60 Month and Longer CD | 60 months | 3.00% | $500 | not stated | not stated |
| 60 Month CD (Compounding Monthly) | 60 months | 3.04% | $500 | not stated | not stated |
| IRA CDs | |||||
| 1-Year IRA | 12 months | 0.30% | $500 | not stated | not stated |
Opening and using the account
| Availability | Available in KS, OK |
|---|---|
| Footprint | 39 branches in KS, OK |
| Eligibility | not stated |
How The City National Bank and Trust Company of Lawton, Oklahoma behaves over time
- 6-11 months CD
- The same as 30 days ago.
- Rate last changed
- Sep 30, 2026(effective date)
$10,000 at the 2.00% APY The City National Bank and Trust Company of Lawton, Oklahoma advertises on CNB High-Yield Savings grows to $10,200 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 $9,865 does today. See how the federal funds rate shapes savings rates.
The City National Bank and Trust Company of Lawton, Oklahoma CD rates over time
Who is The City National Bank and Trust Company of Lawton, Oklahoma?
| Headquarters | Lawton, OK |
|---|---|
| Founded | 1901 |
| Scale | $446M assets · $374M deposits, $285M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 4132 |
| Charter state | Oklahoma · one of 170 insured banks chartered there (Q2 2026, FDIC) |
| Size | 1,926th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 24% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What The City National Bank and Trust Company of Lawton, Oklahoma pays on deposits above.
Common questions about The City National Bank and Trust Company of Lawton, Oklahoma
Is The City National Bank and Trust Company of Lawton, Oklahoma FDIC insured?
Yes. The City National Bank and Trust Company of Lawton, Oklahoma is FDIC insured under certificate 4132, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at The City National Bank and Trust Company of Lawton, Oklahoma?
The City National Bank and Trust Company of Lawton, Oklahoma requires a minimum deposit of $50 to open its CNB High-Yield Savings account, as observed on Sep 30, 2026. Check the bank's current terms before you open an account.
Does the 2.00% apply to my whole balance?
The 2.00% applies to balances up to $200,001. The bank states no rate for the balance above that. A checking account at the bank is required. Rates are as observed on Sep 30, 2026.
Does The City National Bank and Trust Company of Lawton, Oklahoma have branches?
Yes. The City National Bank and Trust Company of Lawton, Oklahoma operates 39 branches according to FDIC branch records, in addition to its website and mobile apps.
The City National Bank and Trust Company of Lawton, Oklahoma against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| The City National Bank and Trust Company of Lawton, Oklahoma | 2.00% | 1.60% | $50 | 39 branches in KS, OK |
| Century Bank | 2.00% | 0.77% | $2,000 | 9 branches in NM |
| Citizens Savings Bank | 2.00% | 1.62% | $100 | 3 branches in IA |
| Community National Bank in Monmouth | 2.00% | not stated | $100 | 1 branch in IL |
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 The City National Bank and Trust Company of Lawton, Oklahoma's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Oklahoma, nearest to The City National Bank and Trust Company of Lawton, Oklahoma in deposits:
Rate hubs: today's highest savings rates, and CD rates by term.
State pages: banks in Oklahoma.