Bank · FDIC insured
Mason City National Bank CD Rates
Mason City National Bank’s best CD rate is 3.79% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Mason City National Bank’s CD rates compare
Compared with banks and credit unions in Illinois, where Mason City National Bank has the most branches. $10,000, best rate first.
This bank’s best
Mason City National Bank
3.79%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $379
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
Mason City National Bank CD score
74
CD score
Higher than 37% of U.S. banks and credit unions
- 3–8 months3–8 mo3.28%
- 9–15 months9–15 mo3.79%
- 16–30 months16–30 mo3.28%
- 31–60 months31–60 mo3.03%
- QualifiedQualified3.79%
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 Mason City National Bank 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 3.79%APY · 7 terms
Fixed rates for the initial term. APY based on interest compounded semiannually. Interest may be paid monthly or quarterly for some certificates, added to the deposit, paid by check, or deposited into another account. Substantial penalty for early withdrawal. Automatically renewable. Balances insured up to $250,000 by the FDIC. A premium is offered on balances of $100,000 or more.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91 Day CD term. Fixed rate for initial term; interest compounded semiannually | 3.03% | $75 |
| 6 months182 Day CD term. Fixed rate for initial term; interest compounded semiannually | 3.28% | $163 |
| 12 months12 Month CD term. Fixed rate for initial term; interest compounded semiannually | 3.79% | $379 |
| 24 months24 Month CD term. Fixed rate for initial term; interest compounded semiannually | 3.28% | $667 |
| 36 months36 Month CD term. Fixed rate for initial term; interest compounded semiannually | 3.03% | $937 |
| 48 months48 Month CD term. Fixed rate for initial term; interest compounded semiannually | 3.03% | $1,268 |
| 60 months60 Month CD term. Fixed rate for initial term; interest compounded semiannually | 3.03% | $1,610 |
Sources (2)
- onlinebanking.masoncitynationa…ges/deposit-account.html
- onlinebanking.masoncitynationalbank.com/Pages/rates.html
All captured Sep 17, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 3.79%APY · 7 terms
Fixed rates for the initial term. APY based on interest compounded semiannually. Mandatory penalty for early withdrawals. Balances insured up to $250,000 by the FDIC. A premium is offered on IRA accounts with a balance of $100,000 or more.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91 Day IRA CD term. Fixed rate for initial term; interest compounded semiannually | 3.03% | $75 |
| 6 months182 Day IRA CD term. Fixed rate for initial term; interest compounded semiannually | 3.28% | $163 |
| 12 months12 Month IRA CD term. Fixed rate for initial term; interest compounded semiannually | 3.79% | $379 |
| 24 months24 Month IRA CD term. Fixed rate for initial term; interest compounded semiannually | 3.28% | $667 |
| 36 months36 Month IRA CD term. Fixed rate for initial term; interest compounded semiannually | 3.03% | $937 |
| 48 months48 Month IRA CD term. Fixed rate for initial term; interest compounded semiannually | 3.03% | $1,268 |
| 60 months60 Month IRA CD term. Fixed rate for initial term; interest compounded semiannually | 3.03% | $1,610 |
Sources (2)
- onlinebanking.masoncitynationa…ges/deposit-account.html
- onlinebanking.masoncitynationalbank.com/Pages/rates.html
All captured Sep 17, 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.