Bank · FDIC insured
Citizens National Bank Savings Rates
Citizens National Bank’s best savings rate is 0.01% APY on $10,000, with its SmartBlue Savings. Rates checked October 22, 2026.
How Citizens National Bank’s savings rates compare
Compared with banks and credit unions near Meridian, MS, where Citizens National Bank has the most branches. $10,000, best rate first.
This bank’s best
Citizens National Bank
0.01%APY
- Minimum
- $0
- Earns on $10,000 a year
- $1
SmartBlue Savings
Top rate
Woodforest National Bank
1.00%APY
- Minimum
- $25
- Earns on $10,000 a year
- $100
2nd-highest rate
1st Mississippi Federal Credit Union
0.85%APY
- Minimum
- —
- Earns on $10,000 a year
- $85
Citizens National Bank savings score
60
Savings score
Higher than 0% of U.S. banks and credit unions
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0000.01%
- $100,000 balance$100,0000.01%
- QualifiedQualified0.01%
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.
SmartBlue Savings
0.01%APY
No monthly maintenance fee ever. For in-branch account opening, no minimum deposit required if Smart Savings Transfer is connected to CNB Checking account; if not set up, a $100 deposit is required. For online accounts, minimum balance to open is $100. Limit of six free withdrawals or transfers per month ($5 charge per excess withdrawal). Interest compounded and paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upBalances of $100 or more earn 0.01% APY. Interest compounded and paid quarterly.$100 and up | 0.01% | $1 | Balances of $100 or more earn 0.01% APY. Interest compounded and paid quarterly. |
Sources (2)
All captured Sep 24, 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.