Bank · FDIC insured
CNB Bank Savings Rates
CNB Bank’s best savings rate is 0.50% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How CNB Bank’s savings rates compare
Compared with banks and credit unions near Hagerstown, MD-WV, where CNB Bank has the most branches. $10,000, best rate first.
This bank’s best
CNB Bank
0.50%APY
- Minimum
- —
- Earns on $10,000 a year
- $50
Money Market
Top rate
Mountain Heritage Federal Credit Union
2.53%APY
- Minimum
- —
- Earns on $10,000 a year
- $253
2nd-highest rate
Washington County Teachers Federal Credit Union
1.75%APY
- Minimum
- $0
- Earns on $10,000 a year
- $175
CNB Bank savings score
78
Savings score
Higher than 45% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.25%
- 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 CNB 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.
Money Market
0.50%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.05% | — |
| $2,500 – $10,000 | 0.10% | — |
| $10,000 – $25,000 | 0.50% | $50 |
| $25,000 – $50,000 | 0.75% | — |
| $50,000 – $100,000 | 1.00% | — |
| $100,000 – $250,000 | 1.25% | — |
| $250,000 – $500,000 | 1.50% | — |
| $500,000 and up | 1.75% | — |
Sources (1)
- cnb.bank/Personal/Account-Details · captured Oct 15, 2026
Kasasa Saver
Up to 0.50%APY
Must have a linked Kasasa Cash or Kasasa Cash Back checking account. Requires $50 minimum deposit to open, enrollment in online banking, electronic statements, an active CNB Bank debit card, and maintaining a valid email address. Limit one account per primary account holder SSN. No recurring monthly service charges.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Earned on balances up to and including $10,000 when linked Kasasa Cash or Kasasa Cash Back qualifications are met during the Monthly Qualification Cycle. | 0.50% | $50 | Earned on balances up to and including $10,000 when linked Kasasa Cash or Kasasa Cash Back qualifications are met during the Monthly Qualification Cycle. |
| Any balanceApplies to all balances when linked Kasasa checking account qualifications are not met. | 0.03% | $3 | Applies to all balances when linked Kasasa checking account qualifications are not met. |
| $10,000 and upEarns 0.25% interest rate on the portion of balance over $10,000 when linked Kasasa checking qualifications are met, resulting in a range from 0.50% to 0.27% APY depending on the account's balance. | 0.25% | $25 | Earns 0.25% interest rate on the portion of balance over $10,000 when linked Kasasa checking qualifications are met, resulting in a range from 0.50% to 0.27% APY depending on the account's balance. |
Sources (3)
- cnb.bank/Disclosures/Kasasa-Saver-Disclaimer
- cnb.bank/Personal/Account-Details
- cnb.bank/Personal/Savings
All captured Oct 4, 2026
Statement Savings
0.05%APY
$50.00 minimum opening balance. No monthly service charge with maintained minimum balance. Interest is compounded and credited quarterly. ATM card available with unlimited ATM withdrawals. Quarterly itemized statement.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50$50.00 minimum opening balance. No monthly service charge with maintained minimum balance. | 0.00% | — | $50.00 minimum opening balance. No monthly service charge with maintained minimum balance. |
| $50 and up$50.00 minimum opening balance. No monthly service charge with maintained minimum balance. Interest is earned on a balance of $50.00 or more. | 0.05% | $5 | $50.00 minimum opening balance. No monthly service charge with maintained minimum balance. Interest is earned on a balance of $50.00 or more. |
Special-purpose accounts
Money Market IRA
0.35%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $5,000Interest is compounded daily. | 0.05% | — | Interest is compounded daily. |
| $5,000 – $25,000Interest is compounded daily. | 0.35% | $35 | Interest is compounded daily. |
| $25,000 – $50,000Interest is compounded daily. | 0.50% | — | Interest is compounded daily. |
| $50,000 and upInterest is compounded daily. | 0.60% | — | Interest is compounded daily. |
Sources (1)
- cnb.bank/Personal/CDs-IRAs · captured Oct 15, 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.