Bank · FDIC insured
Citizens National Bank Savings Rates
Citizens National Bank’s best savings rate is 0.55% APY on $10,000, with its Premier Money Market Account. Rates checked October 16, 2026.
How Citizens National Bank’s savings 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
0.55%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $55
Premier Money Market Account
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Nizari Credit Union
4.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $400
Citizens National Bank savings score
81
Savings score
Higher than 56% of U.S. banks and credit unions
- $1,000 balance$1,0000.40%
- $10,000 balance$10,0000.55%
- $100,000 balance$100,0002.25%
- QualifiedQualified0.55%
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 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.
Advantage Plus Savings Account
2.25%APY
Existing clients require at least 10% of opening deposit to come from another financial institution. Interest will only be paid if average monthly balance is $25,000.00 or more. $25 monthly maintenance fee waived with a $25,000 minimum average monthly balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $150,000Monthly maintenance fee waived with $25,000 minimum average monthly balance; interest only paid if average monthly balance is $25,000.00 or more. | 2.25% | $225 | Monthly maintenance fee waived with $25,000 minimum average monthly balance; interest only paid if average monthly balance is $25,000.00 or more. |
| $150,000 – $500,000Monthly maintenance fee waived with $25,000 minimum average monthly balance; interest only paid if average monthly balance is $25,000.00 or more. | 3.25% | — | Monthly maintenance fee waived with $25,000 minimum average monthly balance; interest only paid if average monthly balance is $25,000.00 or more. |
| $500,000 – $2,000,000Monthly maintenance fee waived with $25,000 minimum average monthly balance; interest only paid if average monthly balance is $25,000.00 or more. | 3.75% | — | Monthly maintenance fee waived with $25,000 minimum average monthly balance; interest only paid if average monthly balance is $25,000.00 or more. |
| Over $2,000,000Monthly maintenance fee waived with $25,000 minimum average monthly balance; interest only paid if average monthly balance is $25,000.00 or more. | 2.00% | — | Monthly maintenance fee waived with $25,000 minimum average monthly balance; interest only paid if average monthly balance is $25,000.00 or more. |
Sources (3)
- cnbanktexas.com/personal/personal-savings-cds
- cnbanktexas.com/resources/rates.html
- cnbanktexas.com/personal/perso…lus-savings-account.html
All captured Oct 16, 2026
Premier Money Market Account
0.55%APY
$15 account maintenance fee waived with $10,000 minimum daily balance. 6 free debits per month; $7.50 for each debit thereafter. Unlimited in-person withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Rates and rewards are variable and may change after the account is opened. Fees may reduce earnings. $15 monthly maintenance fee waived with $10,000 minimum daily balance. | 0.55% | $55 | Rates and rewards are variable and may change after the account is opened. Fees may reduce earnings. $15 monthly maintenance fee waived with $10,000 minimum daily balance. |
| $25,000 – $75,000Rates and rewards are variable and may change after the account is opened. Fees may reduce earnings. $15 monthly maintenance fee waived with $10,000 minimum daily balance. | 0.65% | — | Rates and rewards are variable and may change after the account is opened. Fees may reduce earnings. $15 monthly maintenance fee waived with $10,000 minimum daily balance. |
| $75,000 – $150,000Rates and rewards are variable and may change after the account is opened. Fees may reduce earnings. $15 monthly maintenance fee waived with $10,000 minimum daily balance. | 0.85% | — | Rates and rewards are variable and may change after the account is opened. Fees may reduce earnings. $15 monthly maintenance fee waived with $10,000 minimum daily balance. |
| $150,000 – $1,000,000Rates and rewards are variable and may change after the account is opened. Fees may reduce earnings. $15 monthly maintenance fee waived with $10,000 minimum daily balance. | 1.65% | — | Rates and rewards are variable and may change after the account is opened. Fees may reduce earnings. $15 monthly maintenance fee waived with $10,000 minimum daily balance. |
| $1,000,000 and upRates and rewards are variable and may change after the account is opened. Fees may reduce earnings. $15 monthly maintenance fee waived with $10,000 minimum daily balance. | 1.65% | — | Rates and rewards are variable and may change after the account is opened. Fees may reduce earnings. $15 monthly maintenance fee waived with $10,000 minimum daily balance. |
Sources (2)
All captured Oct 16, 2026
Regular Savings Account
0.40%APY
Earn competitive interest on the entire balance. $3 account maintenance fee waived with a $300 minimum daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$3 account maintenance fee waived with a $300 minimum daily balance.Any balance | 0.40% | $40 | $3 account maintenance fee waived with a $300 minimum daily balance. |
Sources (3)
- cnbanktexas.com/personal/personal-savings-cds
- cnbanktexas.com/personal/perso…lar-savings-account.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.