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Interest Rates

Personal Interest Rates
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Checking accounts Savings Accounts  Certificates & IRAs

Effective on and after: January 19, 2023

Checking Accounts

For account requirements, please visit our Checking Accounts page.

Account TypeInterest RateAPY*

Prime Time 50 Checking

($0 - $24,999)

($25,000 and above)

 

0.05%

0.15%

 

0.05%

0.15%

NOW Account - for Business/Trust/Estates 

($0 - $499)

($500 - $9,999)

($10,000 - $24,999)

($25,000 and above)

 

0.00%

0.01%

0.05%

0.10%

 

0.00%

0.01%

0.05%

0.10%

E-Vantage Investment Checking

($0.01 - $15,000)

($15,000.01 and above**)

 

0.60%

0.10%

 

0.60%

0.10%

*APY= Annual Percentage Yield

**APY earned will range from 0.10% to 0.60% depending on the amount of funds in each tier.  Only the funds in each tier will earn the APY for that tier.

Interest is compounded daily and paid monthly. These are variable interest rate products and the interest rates may change at the discretion of Clinton National Bank. The Annual Percentage Yields shown above assume that all principal and interest remain on deposit.  Fees could reduce earnings on your accounts.

Tiered Rate Accounts (excluding E-Vantage Investment Checking): Interest is paid on the full balance of your account at the interest rate/APY shown above for the deposit tier which includes your account balance.

 

Savings Accounts

For account requirements, please visit our Savings Accounts page.

 

Account TypeInterest RateAPY*
Regular Savings 0.05%0.05%
Thumbuddy, Student, Senior Savings**0.05%0.05%

CNB Money Market/ Savings

($0 - $999)

($1,000 - $9,999)

($10,000 - $24,999)

($25,000 and above)

 

0.00%

0.01%

0.10%

0.15%

 

0.00%

0.01%

0.10%

0.15%

CNB Health Savings   

($0 - $999)

($1000 - $4,999)

($5000 - $14,999)

($15,000 - $24,999)

($25,000 and Above)

 

0.15%

0.30%

0.40%

0.60%

0.75%

 

0.15%

0.30%

0.40%

0.60%

0.75%

*APY= Annual Percentage Yield

**Interest is compounded daily & paid QUARTERLY

Interest is compounded daily and paid monthly. These are variable interest rate products and the interest rates may change at the discretion of Clinton National Bank. The Annual Percentage Yields shown above assume that all principal and interest remain on deposit.  Fees could reduce earnings on your accounts.

Tiered Rate Accounts (excluding E-Vantage Investment Checking): Interest is paid on the full balance of your account at the interest rate/APY shown above for the deposit tier which includes your account balance.

 

Certificates of deposit

$500 minimum deposit, rates subject to change at renewal, compounded daily unless otherwise indicated, and paid monthly, quarterly, semi-annually or annually.

TermInterest RateAPY*

8 Month Certificate

**Simple Interest

2.74%2.75%

13 Month Certificate

***Simple Interest

3.25%3.25%
3 Month Certificate 0.15%0.15%
6 Month Certificate 0.35%0.35%
9 Month Certificate0.30%0.30%
12 Month Certificate0.45%0.45%
18 Month Certificate0.50%0.50%
24 Month Certificate0.60%0.60%
36 Month Certificate0.65%0.65%
48 Month Certificate0.70%0.70%
60 Month Certificate0.75%0.75%

*APY= Annual Percentage Yield

**Interest Paid at Maturity. Auto-Renews into 9 Month Certificate

*** Interest Paid Annually. Early Withdrawal Penalty= Six (6) Months Interest. Auto-Renews into 12 Month Certificate.

IRA Investment Certificates

TermInterest RateAPY*

18 Month Variable Rate Certificate

0.35%0.35%

*APY= Annual Percentage Yield

  • The APYs shown assume that all principal and interest remain on deposit for the entire term.  Withdrawals will reduce earnings.  We use the daily balance method to calculate interest on your account.  The method applies a daily periodic rate to the principal in the account each day.  Interest begins to accrue on the business day you deposit noncash items (checks).
  • The above listed Investment Certificates are also available for IRA Investments at the same competitive rates.  (Direct Transfer Out Fee of $25 applies to IRA Transfers out of Clinton National Bank.) 
  • Certificates will automatically renew after a 10-day grace period, unless otherwise noted.
  • A penalty for early withdrawal may be imposed.  The penalty will equal 1/2 the amount of interest that would be paid if the certificate were held to maturity.
  • Interest paid by Transfer to any account at Clinton National Bank (interest checks available by request only).
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