Bank · FDIC insured
Citizens National Bank CD Rates
Citizens National Bank’s best CD rate is 4.58% APY on a 61-month CD. Terms run from 3 months to 61 months. Rates checked October 16, 2026.
How Citizens National Bank’s CD rates compare
Compared with banks and credit unions in Minnesota, where Citizens National Bank has the most branches. $10,000, best rate first.
This bank’s best
Citizens National Bank
4.58%APY
- Term
- 61 months
- Minimum
- $2,500
- Earns on $10,000
- $2,556
Certificates of Deposit
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
Mid Minnesota Federal Credit Union
5.09%APY
- Term
- 36 months
- Minimum
- $10
- Earns on $10,000
- $1,606
Citizens National Bank CD score
93
CD score
Higher than 95% of U.S. banks and credit unions
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo4.06%
- 16–30 months16–30 mo4.27%
- 31–60 months31–60 mo4.42%
- QualifiedQualified4.42%
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
Up to 4.58%APY · 14 terms
Rates may change without notice. Deposit Account Fee charged may affect the rate and annual percentage yield. Fees could reduce the earnings on the account.
| Term | APY · $500 and up | APY · $1,000 and up | APY · $2,500 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 months | — | 2.53% | — | — | 2.53% | $63 |
| 5 months | — | — | 3.55% | — | 3.55% | $146 |
| 6 months | — | 2.63% | — | — | 2.63% | $131 |
| 9 months | 3.29% | — | — | — | 3.29% | $246 |
| 12 months | 3.03% | — | — | — | 3.03% | $303 |
| 13 monthsCD Special | — | — | 4.06% | — | 4.06% | $441 |
| 18 months | 3.03% | — | — | — | 3.03% | $458 |
| 24 months | 3.03% | — | — | — | 3.03% | $615 |
| 25 monthsCD Special | — | — | 4.27% | — | 4.27% | $910 |
| 30 months | 3.14% | — | — | — | 3.14% | $804 |
| 36 monthsStep up Rate; Requires a Citizens National Bank Deposit Account Fee charged may affect the rate and annual percentage yield | — | — | — | 3.29% | 3.29% | $1,020 |
| 37 monthsCD Special | — | — | 4.42% | — | 4.42% | $1,427 |
| 60 monthsRequires a Citizens National Bank Deposit Account Fee charged may affect the rate and annual percentage yield | — | — | — | 3.44% | 3.44% | $1,842 |
| 61 monthsCD Special | — | — | 4.58% | — | 4.58% | $2,556 |
Sources (1)
- cnbbank.com/personal/current-rates · captured Oct 16, 2026
Special-purpose accounts
Graduate CD
4.00%APY
For ages 18 years and younger. Earns daily interest paid annually. No withdrawals until age 18; one (1) withdrawal allowed per year between 18-21.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and up18 Yrs & Younger$25 and up | 4.00% | $400 | 18 Yrs & Younger |
Sources (2)
All captured Oct 16, 2026
2 Year Variable Rate IRA
3.00%APY · 1 term
Traditional and Roth IRA options available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months | 3.00% | $609 |
Education IRA
3.00%APY
Coverdell Education Savings Account allows parents and others to save for children's education under age 18. Maximum contribution of $2,000 annually.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 3.00% | $300 |
1 Year Fixed Rate IRA
2.75%APY · 1 term
Traditional and Roth IRA options available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.75% | $275 |
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.