Bank · FDIC insured
Citizens National Bank CD Rates
Citizens National Bank’s best CD rate is 4.10% APY on a 13-month CD. Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How Citizens National Bank’s CD rates compare
Compared with banks and credit unions near Austin, TX, where Citizens National Bank has the most branches. $10,000, best rate first.
This bank’s best
Citizens National Bank
4.10%APY
- Term
- 13 months
- Minimum
- —
- Earns on $10,000
- $445
Certificates of Deposit (CDs)
Top rate
First National Bank of Bastrop
5.00%APY
- Term
- 7 months
- Minimum
- $10,000
- Earns on $10,000
- $289
2nd-highest rate
Austin Capital Bank
4.58%APY
- Term
- 3 months
- Minimum
- $1,000
- Earns on $10,000
- $113
Citizens National Bank CD score
84
CD score
Higher than 65% of U.S. banks and credit unions
- 3–8 months3–8 mo3.90%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo1.65%
- 31–60 months31–60 mo1.65%
- QualifiedQualified4.10%
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 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.
Certificates of Deposit (CDs)
Up to 4.10%APY · 7 terms
Penalty for early withdrawal. Fixed rates higher than regular savings.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | — | 1.25% | 1.25% | $62 |
| 7 monthsLimited time offer. Upon maturity, the 7 month certificate rate and term will rollover to the published 6-month certificate of deposit rate and terms at the time of rollover | — | 3.90% | 3.90% | $226 |
| 12 months | 1.65% | — | 1.65% | $165 |
| 13 monthsLimited time offer. Upon maturity, the 13 month certificate rate and term will rollover to the published 12-month certificate of deposit rate and terms at the time of rollover | — | 4.10% | 4.10% | $445 |
| 18 months | 1.65% | — | 1.65% | $249 |
| 24 months | 1.65% | — | 1.65% | $333 |
| 36 months | 1.65% | — | 1.65% | $503 |
Sources (3)
- cnbanktexas.com/personal/personal-savings-cds
- cnbanktexas.com/personal/perso…ates-of-deposit-cds.html
- cnbanktexas.com/resources/rates.html
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.