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Deposit Rates

Effective Date 04/23/2014
 


The Interest Rate and Annual Percentage Yield (APY) are as of the Effective Date and are subject to change without notice. Please call 860-928-7921 to obtain the most current information. 

Checking| Savings| Eagle Premier Money Market| Eagle Elite Money Market| Certificates*| Retirement Accounts*| Business

 

Checking

Account Type Interest Rate APY Minimum Daily Balance to Earn APY Minimum Opening Deposit
Checking Five-O 0.01 0.01% $0.01 $30
Easy Interest Checking 0.01% 0.01% $0.01 $30
VIP Interest Checking <$1,499.99 0.01% 0.01% $0.01 $30
VIP Interest Checking $1,500 & Over 0.02% 0.02% $1,500 $30
Health Savings Account (HSA) 0.01% 0.01% $50 $30


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Savings 

Account Type Interest Rate APY Minimum Daily Balance to Earn APY Minimum Opening Deposit
Statement Savings 0.03% 0.03% $50 $50
Passbook Savings 0.03% 0.03% $50 $50
Clicker Club Savings 0.03% 0.03% $0.01 $10
Club Account 0.03% 0.03% $0.01 $5
Freedom Savings^ 0.05% 0.05% $5,000 $50

 ^Requires a Citizens National Bank checking account. Balances below $5,000 will earn the Statement Saving APY. Available to individuals and businesses.

 

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Eagle Premier Money Market

$1,000 Minimum Opening Deposit.

Account Type Interest Rate APY Minimum Daily Balance to Earn APY
$0 - $9,999.99 0.01% 0.01% $0.01
$10,000 - $24,999.99 0.02% 0.02% $10,000
$25,000 - $49,999.99 0.03% 0.03% $25,000
$50,000 - $99,999.99 0.03% 0.03% $50,000
$100,000 & Over 0.03% 0.03% $100,000

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Eagle Elite Money Market

$50,000 Minimum Opening Deposit.

Account Type Interest Rate APY Minimum Daily Balance to Earn APY
$0 - $249,999.99 0.00% 0.00% N/A
$250,000 - $499,999.99 0.04% 0.04% $250,000
$500,000 - $749,999.99 0.05% 0.05% $500,000
$750,000 - $999,999.99 0.06% 0.06% $750,000
$1,000,000 & Over 0.07% 0.07% $1,000,000

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Certificates* 

$1,000 Minimum Opening Deposit.

Account Type Interest Rate APY Minimum Daily Balance to Earn APY
3-Month CD 0.04% 0.04% $1,000
6-Month CD 0.05% 0.05% $1,000
9-Month CD 0.08% 0.08% $1,000
1-Year CD 0.11% 0.11% $1,000
18-Month CD 0.20% 0.20% $1,000
2-Year CD 0.40% 0.40% $1,000
3-Year CD 0.86% 0.86% $1,000
4-Year CD 1.20% 1.21% $1,000
5-Year CD 1.67% 1.68% $1,000
*Penalty for early withdrawal may be imposed.

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Retirement Accounts*

$1,000 Minimum Opening Deposit.

Account Type Interest Rate APY Minimum Daily Balance to Earn APY
3-Month IRA 0.04% 0.04% $1,000
6-Month IRA 0.05% 0.05% $1,000
9-Month IRA 0.08% 0.08% $1,000
1-Year IRA 0.11% 0.11% $1,000
18-Month IRA 0.20% 0.20% $1,000
2-Year IRA 0.40% 0.40% $1,000
3-Year IRA 0.86% 0.86% $1,000
4-Year IRA 1.20% 1.21% $1,000
5-Year IRA 1.67% 1.68% $1,000
*Penalty for early withdrawal may be imposed.

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Business 

Account Type Interest Rate APY Minimum Daily Balance to Earn APY Minimum Opening Deposit
Checking Earnings Allowance Rate 1.00% - - $30
Freedom Savings^ 0.05% 0.05% $5,000 $50
Business Interest Checking* 0.01% 0.02% $0.01 $30
^Requires a Citizens National Bank checking account. Balances below $5,000 will earn the Statement Savings rate of interest. Available to individuals and businesses.*Limited to qualifying sole proprietorships not-for-profit organizations and municipalities. 


 

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  • Any fees assessed on these deposit products may reduce the earnings on the account. Please refer to the Fee Schedule.
  • The rates on all accounts, except fixed Rate CDs and IRAs, are variable and may change after the account is opened.

 

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit www.fdic.gov.

 

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