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Savings

Account Type down arrow Opening Deposit Service Charge Interest

 

Freedom Savings

$50 None Yes

Freedom Savings

This account is perfect for your everyday savings.

  • Interest paid monthly with a higher interest rate on balances of $5,000 or more.
  • If Freedom Savings balance falls below $5,000, regular statement savings rate applies.
  • Must be combined with a CNB Checking account.  Account activity will appear on the same monthly statement.
  • If checking account is closed, regular statement savings rate applies.
  • No monthly service charge
  • FREE Debit card
  • FREE Nationwide ATMs^ 
  • FREE TouchTone Banking
  • FREE e-Banking
  • FREE Mobile Banking

^ The Citizens National Bank does not charge a fee for non-CNB ATM transactions. Other Institutions may impose a fee for the use of their ATMs.

 

Statement Savings

$50

$1

If monthly average balance falls below $50

Yes

Statement Savings

This is a regular savings account with a monthly statement.

  • This account is ATM accessible.
  • This account can be combined to print on the same statement as your checking account.
  • Interest paid monthly on balances of $50 or more.
  • FREE TouchTone Banking
  • FREE e-Banking 
  • FREE ATM Card
  • Transactions conducted at any CNB ATM are free, transactions processed at an ATM not owned by us will be assessed a fee of $1.00 plus any surcharges if applicable.
  • Any fees assessed may reduce the earnings on this account.

 

Passbook Savings

$50 None Yes

Passbook Savings

This is a traditional savings account.

  • All transactions are recorded in a passbook.
  • Interest paid monthly on balances of $50 or more.
  • No monthly service charge
  • FREE TouchTone Banking
  • FREE e-Banking
  • FREE Mobile Banking
  • This account cannot be accessed through an ATM.

 

Clicker Club Savings

$10 None Yes

Clicker Club Savings

This savings account teaches children to save.  The more they save, the more incentives they earn.

  • Members earn Clicker Bucks based on their deposits.  Clicker Bucks can then be redeemed for a Clicker Gift Certificate to be used at participating area businesses.
  • Club members receive a Birthday surprise.
  • Available to children ages birth to 15
  • Joint account with a parent/guardian
  • All transactions are recorded in a passbook.
  • Interest paid monthly on all balances.
  • No monthly service charge
  • FREE TouchTone Banking
  • FREE e-Banking
  • FREE Mobile Banking

 

Christmas & Vacation Clubs

$5

$5

If closing early or partial withdrawal

Yes

Christmas & Vacation Clubs

Save all year long and enjoy the holidays to the fullest with a Christmas Club account or opt to save for that dream vacation with our Vacation Club account.

  • Three convenient ways to save: set up a payroll direct deposit, establish an automatic transfer or use a coupon book.
  • Coupon books are available in denominations of $5, $10, or $20.
  • Interest paid at the end of the season on all completed clubs.
  • Checks for Vacation Clubs are mailed in April.
  • Checks for Christmas Clubs are mailed in October.
  • A fee of $5.00 will apply for partial withdrawal or if the club account is closed early.

 

Eagle Premier Money Market Account

$1,000 $8 Yes

Eagle Premier Money Market Account

Our Eagle Premier Money Market account offers the incentive to save with the liquidity of a checking account; your money is not locked in for any period of time.  Premium variable rates of interest increase based on the account balance; the higher your balance, the higher your return.

  • An $8 monthly fee will be assessed to the account if balance falls below $1000.
  • Six preauthorized transfers may be processed per statement cycle. These preauthorized transfers may be in the form of a check, ACH debit and e-Banking or touch tone banking transfers. Preauthorized transfers in excess of six will each be assessed a $10 fee.
  • Interest paid monthly on all balances.
  • FREE TouchTone Banking
  • FREE e-Banking
  • FREE Mobile Banking
  • This account cannot be accessed with a Debit Card.
  • Any fees assessed may reduce the earnings on this account.

 

Eagle Elite Money Market Account

$50,000 None Yes

Eagle Elite Money Market Account

A step above our Eagle Premier Money Market account, our Eagle Elite account gives you even more incentive to save with higher variable rates of interest while still offering the liquidity of a checking account. 

  • No monthly service charge
  • Six preauthorized transfers may be processed per statement cycle. These preauthorized transfers may be in the form of a check, ACH debit and e-Banking or touch tone banking transfers. Preauthorized transfers in excess of six will each be assessed a $10 fee.
  • Interest paid monthly on balances of $250,000 or more.
  • FREE TouchTone Banking
  • FREE e-Banking
  • FREE Mobile Banking
  • This account cannot be accessed with a Debit Card.

Certificates of Deposit

$1,000 None Yes

Certificates of Deposit

If you donít require access to funds for a given period of time, then invest in an insured time deposit and lock into a guaranteed interest rate.

  • Fixed competitive interest rate
  • Interest paid monthly on balances of $1,000 or more.
  • Maturities available from three months to five years
  • Automatically renews at maturity for your convenience.
  • Jumbo CDs (over $100,000) available at competitive, negotiated rates
  • FREE TouchTone Banking
  • FREE e-Banking
  • FREE Mobile Banking

Individual Retirement Accounts
(IRA)

$1,000 None Yes

Individual Retirement Accounts (IRA)

An IRA is one of the best ways to save for your retirement. It earns you tax deferred interest and for many taxpayers it enables you to shelter current income from taxes.

  • Fixed competitive interest rate
  • Interest paid monthly on balances of $1,000 or more.
  • Certificate terms available from three months to five years
  • Automatically renews at maturity for your convenience.
  • Future contributions (deposits) are allowed at any time.
  • Eligible to withdraw without penalty at 59 ½ years of age.
  • Both Traditional and Roth IRAs are available.
  • We accept direct rollovers from employee pension plans.
  • Please consult with your tax advisor to determine your eligibility under present tax laws.

For the tax year 2012, the contribution limits are $5,000 if you are under age 50, and $6,000 if you are age 50 or older.

For the tax year 2013, the contribution limits are $5,500 if you are under age 50, and $6,500 if you are age 50 or older.

For more information please visit the irs.gov.