Bank · FDIC insured
Citizens National Bank of Albion Savings Rates
Citizens National Bank of Albion’s best savings rate is 0.50% APY on $10,000, with its Money Market Accounts. Rates checked October 16, 2026.
How Citizens National Bank of Albion’s savings 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
0.50%APY
- Requires
- None
- Minimum
- $50
- Earns on $10,000 a year
- $50
Statement Savings
Top rate
State Farm Federal Credit Union
4.08%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $408
2nd-highest rate
Dieterich Bank
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $400
Citizens National Bank of Albion savings score
80
Savings score
Higher than 52% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.26%
- 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 of Albion 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.
Money Market Accounts
0.50%APY
Unlimited Transactions. $10.00 monthly charge if balance falls below $5,000.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000$10.00 monthly charge if balance falls below $5,000.00 | 0.50% | $50 | $10.00 monthly charge if balance falls below $5,000.00 |
| $50,000 – $100,000$10.00 monthly charge if balance falls below $5,000.00 | 0.75% | — | $10.00 monthly charge if balance falls below $5,000.00 |
| $100,000 – $250,000$10.00 monthly charge if balance falls below $5,000.00 | 1.26% | — | $10.00 monthly charge if balance falls below $5,000.00 |
| $250,000 – $500,000$10.00 monthly charge if balance falls below $5,000.00 | 2.27% | — | $10.00 monthly charge if balance falls below $5,000.00 |
| $500,000 and up$10.00 monthly charge if balance falls below $5,000.00 | 3.04% | — | $10.00 monthly charge if balance falls below $5,000.00 |
Sources (1)
- cnbalbion.bank/rates-and-fees/current-rates · captured Sep 25, 2026
Statement Savings
0.50%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.50% | $50 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Individual Retirement Accounts 36 Month Fixed Rate
3.56%APY · 1 term
Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsPenalty may be imposed for early withdrawal | 3.56% | $1,106 |
Sources (1)
- cnbalbion.bank/rates-and-fees/current-rates · captured Oct 16, 2026
Individual Retirement Accounts
2.79%APY · 1 term
Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsPenalty may be imposed for early withdrawal | 2.79% | $421 |
Sources (1)
- cnbalbion.bank/rates-and-fees/current-rates · captured Oct 16, 2026
Christmas Club Account
0.50%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.50% | $50 |
Sources (2)
All captured Oct 16, 2026
Health Savings Account
0.50%APY
Rate may change at bank discretion at any time after opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate may change at any time after account is opened.Any balance | 0.50% | $50 | Rate may change at any time after account is opened. |
Sources (3)
- cnbalbion.bank/rates-and-fees/current-rates
- cnbalbion.bank/products/cds-iras-hsas
- cnbalbion.bank/rates-and-fees
All captured Oct 16, 2026
Club Save Kids Savings Accounts
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- cnbalbion.bank/rates-and-fees/current-rates · captured Oct 16, 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.