Bank · FDIC insured
Citizens National Bank Savings Rates
Citizens National Bank’s best savings rate is 0.50% APY on $10,000, with its Platinum Money Market Account. Rates checked October 16, 2026.
How Citizens National Bank’s savings 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
0.50%APY
- Minimum
- —
- Earns on $10,000 a year
- $50
Platinum Money Market Account
Top rate
Mid Minnesota Federal Credit Union
5.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $500
2nd-highest rate
VisionBank
3.76%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $376
Citizens National Bank savings score
80
Savings score
Higher than 51% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.00%
- QualifiedQualified0.50%
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.
Platinum Money Market Account
0.50%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.25% | — |
| $1,000 – $50,000 | 0.50% | $50 |
| $50,000 – $150,000 | 1.00% | — |
| $150,000 – $500,000 | 1.25% | — |
| $500,000 and up | 2.50% | — |
Sources (1)
- cnbbank.com/personal/current-rates · captured Oct 5, 2026
Premium Money Market Account
0.35%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.30% | — |
| $1,000 – $25,000 | 0.35% | $35 |
| $25,000 – $50,000 | 0.40% | — |
| $50,000 – $150,000 | 0.45% | — |
| $150,000 and up | 0.50% | — |
Sources (1)
- cnbbank.com/personal/current-rates · captured Oct 5, 2026
Statement Savings
0.25%APY
Requires $10.00 minimum deposit to open. $2.00 quarterly maintenance fee if balance falls below $100.00. 12 free debits per quarter, $0.50 per additional debit. Interest earned daily and paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upRequires $10.00 minimum balance. 12 free debits per quarter, $0.50 per additional withdrawal. $2.00 quarterly maintenance fee if balance falls below $100.00.$10 and up | 0.25% | $25 | Requires $10.00 minimum balance. 12 free debits per quarter, $0.50 per additional withdrawal. $2.00 quarterly maintenance fee if balance falls below $100.00. |
Sources (3)
- cnbbank.com/discover-cnb/star-savers
- cnbbank.com/personal/current-rates
- cnbbank.com/personal/savings-and-cds
All captured Oct 5, 2026
Special-purpose accounts
2 Year Variable Rate IRA
3.00%APY · 1 term
Variable rate; term length 24 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsVariable rate applies; term length 24 months | 3.00% | $609 |
Sources (1)
- cnbbank.com/personal/current-rates · captured Oct 5, 2026
Coverdell Education Savings Account
3.00%APY
Available only to children under 18 years of age. Maximum annual contribution is $2,000.00. Tax-free earnings when used for qualified education expenses.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upRequires $25.00 minimum balance. Available only to children under the age of 18 with annual contributions up to $2,000.00.$25 and up | 3.00% | $300 | Requires $25.00 minimum balance. Available only to children under the age of 18 with annual contributions up to $2,000.00. |
Sources (3)
All captured Oct 5, 2026
1 Year Fixed Rate IRA
2.75%APY · 1 term
Fixed rate; term length 12 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFixed rate applies; term length 12 months | 2.75% | $275 |
Sources (1)
- cnbbank.com/personal/current-rates · captured Oct 5, 2026
Christmas Club Savings
0.25%APY
Requires $10.00 minimum deposit to open. $3.00 quarterly maintenance fee if balance falls below $10.00. One withdrawal allowed via Christmas Club check issued mid-November. Excluded from debit card. Interest earned daily and paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upRequires $10.00 minimum balance. $3.00 quarterly maintenance fee if balance falls below $10.00. One withdrawal allowed via Christmas Club check issued mid-November.$10 and up | 0.25% | $25 | Requires $10.00 minimum balance. $3.00 quarterly maintenance fee if balance falls below $10.00. One withdrawal allowed via Christmas Club check issued mid-November. |
Sources (2)
All captured Oct 5, 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.