Bank · FDIC insured
Citizens National Bank of Albion CD Rates
Citizens National Bank of Albion’s best CD rate is 4.04% APY on an 18-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Citizens National Bank of Albion’s CD rates compare
Compared with banks and credit unions in Illinois, where Citizens National Bank of Albion has the most branches. $10,000, best rate first.
This bank’s best
Citizens National Bank of Albion
4.04%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $612
Certificate of Deposit
Top rate
Vicinity Credit Union
5.15%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $559
2nd-highest rate
First Eagle Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $500
Citizens National Bank of Albion CD score
86
CD score
Higher than 72% of U.S. banks and credit unions
- 3–8 months3–8 mo3.49%
- 9–15 months9–15 mo3.80%
- 16–30 months16–30 mo4.04%
- 31–60 months31–60 mo3.63%
- QualifiedQualified4.04%
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 of Albion 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.
Certificate of Deposit
Up to 4.04%APY · 11 terms
A penalty may be imposed for early withdrawal. Minimum deposit required to open all accounts is $1,000.00 unless otherwise stated.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91 Day Certificates. A penalty may be imposed for early withdrawal | 3.30% | $81 |
| 6 months6 Month Certificates. A penalty may be imposed for early withdrawal | 3.49% | $173 |
| 9 months9 Months Certificates. A penalty may be imposed for early withdrawal | 3.50% | $261 |
| 12 months12 Months Certificates. A penalty may be imposed for early withdrawal | 3.79% | $379 |
| 15 months15 Months Certificates. A penalty may be imposed for early withdrawal | 3.80% | $477 |
| 18 months18 Months Certificates. A penalty may be imposed for early withdrawal | 4.04% | $612 |
| 24 months24 Months Certificates. A penalty may be imposed for early withdrawal | 3.53% | $718 |
| 30 months30 Months Certificates. A penalty may be imposed for early withdrawal | 3.53% | $906 |
| 36 months36 Months Certificates. A penalty may be imposed for early withdrawal | 3.53% | $1,097 |
| 48 months48 Months Certificates. A penalty may be imposed for early withdrawal | 3.53% | $1,489 |
| 60 months60 Months Certificates. A penalty may be imposed for early withdrawal | 3.63% | $1,952 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Individual Retirement Accounts
Up to 3.56%APY · 2 terms
Available for Traditional & Roth IRA. $100.00 minimum deposit/balance required to open account. Penalty may be imposed for early withdrawal. No fee for IRA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months18 Month Variable Rate. $100.00 minimum deposit required to open account. Penalty may be imposed for early withdrawal | 2.79% | $421 |
| 36 months36 Month Fixed Rate. $100.00 minimum deposit required to open account. Penalty may be imposed for early withdrawal | 3.56% | $1,106 |
Sources (3)
- cnbalbion.bank/rates-and-fees/current-rates
- cnbalbion.bank/products/cds-iras-hsas
- cnbalbion.bank/rates-and-fees
All captured Oct 6, 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.