Download our Personal Checking & Savings Accounts Brochure

Savings Accounts

Savings accounts are a safe way to store and grow your money.  Open a savings account today and start saving for your future.

Citizens Savings Account

  • No service charge if minimum balance of $50 is maintained
  • Quarterly service charge of $3 if below minimum balance
  • First 6 withdrawals per month are free, a fee of $1 will be charged for each additional withdrawal
  • Free unlimited CNB ATM withdrawals
  • A $5 fee will be assessed if the account closes within the first quarter of opening
  • Interest is compounded daily and paid quarterly

Christmas Club Savings Account

  • No service charge
  • Minimum deposit of $5
  • Convenience of automatic funds transferred from checking or savings account
  • Receive your savings with interest in November, deposited into your CNB checking or savings account, just in time for Christmas shopping.

Contact us today in person, by phone, by email or by using our Live Chat via the website.  We look forward to assisting you with all your financial needs.

Money Market Accounts

Discover how a money market account can turn less into more.  Open a money market account today and watch your money grow.

Citizens Insured Money Market Plus*

  • No monthly service charge if a collected balance of $2,500 is maintained

Citizens Select Account*

  • No monthly service charge if a collected balance of $5,000 is maintained

Citizens Prime Reserve Account*

  • No monthly service charge if a collected balance of $25,000 is maintained

Citizens Platinum Account*

  • No monthly service charge if a collected balance of $50,000 is maintained

All Money Market Accounts feature:

  • No monthly service charge if minimum balance is maintained
  • Monthly service charge of $10 if below minimum balance
  • Interest is paid monthly on daily collected balance
  • Collected balance and above will earn a higher rate of interest
  • Below minimum collected balance will earn a base rate of interest
  • Write up to 3 checks per month
  • Unlimited in-person and CNB ATM withdrawals

Contact us today in person, by phone, by email or by using our Live Chat via the website.  We look forward to assisting you with all your financial needs.

Home Equity Loans and Lines of Credit

Citizens National Bank can help you quickly and easily tap into the money that exists as equity in your home. That’s money you can use for home improvement, college education, consolidating other debts or for life’s “little extras” like a new car, boat or dream vacation. You deserve it and we can help make it happen.

  • No closing costs on loans under $100,000
  • Low monthly payments
  • Great rates, fixed and variable rate options
  • Credit Line offers easy access to funds
  • Check writing access
  • Funds may be used for a variety of reasons such as home improvement, debt consolidation, furthering your education and purchases of personal items
  • Primary residence is used as collateral
  • Property insurance is required
  • Potential tax reduction

Contact a CNB loan officer today in person, by phone, by email or by using our Live Chat via the website.  We look forward to assisting you with all your financial needs.