Bank · FDIC insured
Citizens National Bank at Brownwood CD Rates
Citizens National Bank at Brownwood’s best CD rate is 2.55% APY on a 5-year CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How Citizens National Bank at Brownwood’s CD rates compare
Compared with banks and credit unions near Brownwood, TX, where Citizens National Bank at Brownwood has the most branches. $10,000, best rate first.
This bank’s best
Citizens National Bank at Brownwood
2.55%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $1,342
CDs
Top rate
First Central Credit Union
4.00%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $434
2nd-highest rate
Mid-Tex Federal Credit Union
3.19%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $319
Citizens National Bank at Brownwood CD score
64
CD score
Higher than 12% of U.S. banks and credit unions
- 3–8 months3–8 mo1.85%
- 9–15 months9–15 mo2.10%
- 16–30 months16–30 mo2.25%
- 31–60 months31–60 mo2.55%
- QualifiedQualified2.55%
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 Citizens National Bank at Brownwood ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
CDs
Up to 2.55%APY · 8 terms
A penalty will be charged for early withdrawals. Longer term offers higher interest rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month31-DAY CD: $2,500.00 minimum deposit to open. Unlimited deposits and withdrawals, as long as the balance does not fall below $2,500 | 1.00% | $9 |
| 3 months$1000.00 minimum deposit to open. Funds are locked in until maturity date | 1.00% | $25 |
| 6 months$1000.00 minimum deposit to open. Funds are locked in until maturity date | 1.85% | $93 |
| 12 months$1000.00 minimum deposit to open. Funds are locked in until maturity date | 2.10% | $210 |
| 24 months$1000.00 minimum deposit to open. Funds are locked in until maturity date | 2.25% | $455 |
| 36 months$1000.00 minimum deposit to open. Funds are locked in until maturity date | 2.35% | $722 |
| 48 months$1000.00 minimum deposit to open. Funds are locked in until maturity date | 2.45% | $1,017 |
| 60 months$1000.00 minimum deposit to open. Funds are locked in until maturity date | 2.55% | $1,342 |
Sources (1)
- cnb-brownwood.com/savings/cds-and-iras · captured Sep 17, 2026
Special-purpose accounts
IRAs
Up to 2.55%APY · 5 terms
Offers Roth and Traditional IRAs across a range of terms. Subject to conditions and tax rules.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.10% | $210 |
| 24 months | 2.25% | $455 |
| 36 months | 2.35% | $722 |
| 48 months | 2.45% | $1,017 |
| 60 months | 2.55% | $1,342 |
Sources (1)
- cnb-brownwood.com/savings/cds-and-iras · captured Sep 17, 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.