Bank · FDIC insured
Central National Bank Savings Rates
Central National Bank’s best savings rate is 0.75% APY on $10,000, with its Central Prestige MMDA. Rates checked October 16, 2026.
How Central National Bank’s savings rates compare
Compared with banks and credit unions near Manhattan, KS, where Central National Bank has the most branches. $10,000, best rate first.
This bank’s best
Central National Bank
0.75%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $75
Central Prestige MMDA
Top rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Capitol Federal
3.70%APY
- Minimum
- $100
- Earns on $10,000 a year
- $370
Central National Bank savings score
83
Savings score
Higher than 61% of U.S. banks and credit unions
- $1,000 balance$1,0000.70%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0000.95%
- QualifiedQualified0.75%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Central National Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Central Prestige MMDA
0.75%APY
Rates Updated October 13, 2026. Rates and Specials are subject to change. Checking, Savings, and Money Market accounts are variable rate accounts. Rates may change after an account is open. Fees may reduce earnings. 0% for bal. <$1,000; $1,000 daily balance required to earn the APY disclosed. Not available for public fund customers.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $10,0000% for bal. <$1,000; $1,000 daily balance required to earn the APY disclosed. Variable rate account; rates may change after account is open. Fees may reduce earnings. | 0.70% | — | 0% for bal. <$1,000; $1,000 daily balance required to earn the APY disclosed. Variable rate account; rates may change after account is open. Fees may reduce earnings. |
| $10,000 – $50,0000% for bal. <$1,000; $1,000 daily balance required to earn the APY disclosed. Variable rate account; rates may change after account is open. Fees may reduce earnings. | 0.75% | $75 | 0% for bal. <$1,000; $1,000 daily balance required to earn the APY disclosed. Variable rate account; rates may change after account is open. Fees may reduce earnings. |
| $50,000 – $250,0000% for bal. <$1,000; $1,000 daily balance required to earn the APY disclosed. Variable rate account; rates may change after account is open. Fees may reduce earnings. | 0.95% | — | 0% for bal. <$1,000; $1,000 daily balance required to earn the APY disclosed. Variable rate account; rates may change after account is open. Fees may reduce earnings. |
| $250,000 – $1,000,0000% for bal. <$1,000; $1,000 daily balance required to earn the APY disclosed. Variable rate account; rates may change after account is open. Fees may reduce earnings. | 1.16% | — | 0% for bal. <$1,000; $1,000 daily balance required to earn the APY disclosed. Variable rate account; rates may change after account is open. Fees may reduce earnings. |
| $1,000,000 and up0% for bal. <$1,000; $1,000 daily balance required to earn the APY disclosed. Variable rate account; rates may change after account is open. Fees may reduce earnings. | 1.26% | — | 0% for bal. <$1,000; $1,000 daily balance required to earn the APY disclosed. Variable rate account; rates may change after account is open. Fees may reduce earnings. |
Sources (1)
- centralnational.com/pdf_files/depositrates.pdf · captured Oct 16, 2026
Central Advantage Savings
0.15%APY
Variable rate account. Monthly fee of $2.00 is imposed every month if the daily balance on any day of the month falls below $100.00. 6 transfers/withdrawals per month; $1 for each additional.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMonthly fee of $2.00 waived if daily balance does not fall below $100.00. Interest paid quarterly.Any balance | 0.15% | $15 | Monthly fee of $2.00 waived if daily balance does not fall below $100.00. Interest paid quarterly. |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Central Health Savings
0.15%APY
Tax-advantaged account to save for medical coverage. Variable rate account. $3.00 monthly fee is waived if minimum account balance stays above $500.00 or if account holder has deposits totaling more than $2,500.00 with the bank on the day statement is produced. Not eligible for Mobile Deposit.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest paid monthly. Monthly fee of $3.00 waived if minimum balance stays above $500.00 or if deposits total more than $2,500.00 on statement production date.Any balance | 0.15% | $15 | Interest paid monthly. Monthly fee of $3.00 waived if minimum balance stays above $500.00 or if deposits total more than $2,500.00 on statement production date. |
Sources (2)
All captured Oct 16, 2026
Central Secret Agent Savers
0.15%APY
Variable rate account. Teach your kids to save. Not eligible for Mobile Deposit.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Sources (2)
All captured Oct 16, 2026
Youth Savings
0.15%APY
For youths aged 17 and under. Variable rate account. 6 transfers/withdrawals per month; $1 for each additional. Not eligible for Mobile Deposit.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFor youths aged 17 and under.Any balance | 0.15% | $15 | For youths aged 17 and under. |
Sources (2)
All captured Oct 16, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.