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Our CDs offer competitive, fixed rates in a variety of terms. The longer the term, the higher the interest rate.

31-DAY CD:

  • $2,500.00 minimum deposit to open
  • Unlimited deposits and withdrawals, as long as the balance does not fall below $2,500.


  • $1000.00 minimum deposit to open
  • Funds are locked in until maturity date
  • A penalty will be charged for early withdrawals

Last Updated: November 10, 2022

TermInterest Rate Annual Percentage Yield (APY)
31 Day CD 1.00 1.00
91 Day CD 1.00 1.00
182 Day CD 1.85 1.85
12 Month CD 2.10 2.10
24 Month CD 2.25 2.25
36 Month CD 2.35 2.35
48 Month CD 2.45 2.45
60 Month CD 2.55 2.55
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We provide the opportunity for our customers to invest in Individual Retirement Accounts. We offer Roth and Traditional IRAs, in a range of terms.

Both types of IRAs have advantages, but the main difference between Roth and Traditional IRAs is in the timing of tax advantages. With Roth IRA’s, you pay taxes on contributions, and get tax free withdrawals later; with Traditional IRA’s, you deduct contributions, but pay taxes on withdrawals later. The simplest comparison between the two could be explained as Pay now vs Pay later.

Income limite to be eligible * No income limits to open
Contributions are not tax deductible Contributions are tax deductible on state and federal income tax *
No mandatory distribution age Mandatory withrawals required at age 72
Earning are tax free at withdrawal * Earnings are tax deferred until withdrawal

* Subject to some conditions. Consult a tax advisor

Last Updated: November 10, 2022

TermInterest Rates Annual Percentage Yield (APY)
1 Year Term 2.10 2.10
2 Year Term 2.25 2.25
3 Year Term 2.35 2.35
4 Year Term 2.45 2.45
5 Year Term 2.55 2.55
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For more information on any of the accounts offered at Citizens National Bank, contact Brenda Vernon, Geanna Johnson, or Sierra Trevino in New Accounts, at 325-643-3545.