Bank · FDIC insured
Citizens National Bank Savings Rates
Citizens National Bank’s best savings rate is 0.24% APY, with its CNB Savings, with extra requirements. Rates checked October 16, 2026.
How Citizens National Bank’s savings rates compare
Compared with banks and credit unions in Michigan, where Citizens National Bank has the most branches. $10,000, best rate first.
This bank’s best
Citizens National Bank
0.24%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $24
CNB Savings
Top rate
Ignite Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
First National Bank of America
4.20%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $420
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
CNB Savings
Up to 0.24%APY
Links to free CNB Interest or CNB Money checking for automatic rewards transfers. To qualify for the highest rate, meet qualifications during each Monthly Qualification Cycle: at least 12 debit card purchases, enroll and agree to receive eStatements, and enroll and log into online banking.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Applies to balances up to $5,000 when checking account qualifications are met. | 1.00% | — | Applies to balances up to $5,000 when checking account qualifications are met. |
| Any balanceApplies to all balances if monthly qualifications are not met on CNB Interest or CNB Money checking. | 0.05% | $5 | Applies to all balances if monthly qualifications are not met on CNB Interest or CNB Money checking. |
| $5,000 and upApplies to balance portion over $5,000 when checking account qualifications are met (blended APY ranges from 1.00% to 0.24%). | 0.24% | $24 | Applies to balance portion over $5,000 when checking account qualifications are met (blended APY ranges from 1.00% to 0.24%). |
Sources (3)
- cnbismybank.com/personal/personal-savings
- cnbismybank.com/personal/perso…savings/cnb-savings.html
- cnbismybank.com/services-tools/tools/rates.html
All captured Sep 18, 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.