Citizens National Bank-The Power of Local

3 Locations, 3 Offers, 3 Ways to Save!

Any Checking Account
Free for 3 years Enjoy the CNB checking account of your choice, business or personal, for three years without any monthly maintenance or per item fees. Present your current bank’s checks and debit cards and receive up to $25 toward the cost of new CNB checks. Available for CNB’s DeSoto County locations only. Must qualify for a traditional checking account. $50 to $100 opening deposit required. New money only. After three years, regular account maintenance and per item fees will apply.

Maximum Money Market
3.03% APY Offer available at CNB’s DeSoto County locations only. Available to individuals only. New money only. Balances up to $25,000 will earn an interest rate of 3.00% with an Annual Percentage Yield (APY) of 3.03%. Balances of $25,000 and over earn an interest rate of 1.39% with a blended (APY) ranging from 1.40% to 3.03%. (APY) is current as of July 6, 2020. Rates good through December 31, 2020. Rates are set by CNB and are subject to change at any time. Interest will be compounded and credited monthly. If you close your account before interest is credited you will not receive the accrued interest. The first six withdrawals per month are free. Fees may reduce your earnings. One account per household.

Home Equity Line of Credit
0% APR for 3 Billing Cycles Introductory rate of 0% Annual Percentage Rate (APR) is fixed for the first three (3) billing cycles. The number of days in your billing cycle may vary based on your account opening date. After the first three (3) billing cycles, the APR will vary based on the U.S. Prime Rate as published in the Wall Street Journal +/- a margin. The margin is based on your credit score and a maximum CLTV of 80%. As of May 4, 2020, Prime Rate was 3.25% APR. The minimum line of credit to receive the introductory rate of 0% is $10,000 with a draw of $5,000 or more at closing. Your APR will never be higher than 21%. HELOC must be new money to CNB, unless current CNB HELOC is within one year of maturity. Other HELOC options are available. Collateral cannot be classified as a manufactured or mobile home. If your loan payment is automatically debited from your CNB personal checking account, CNB will pay all bank required closing cost for approved credit lines less than $250,000 and up to $500 in closing costs for approved credit lines exceeding $250,000. Certain fees may apply from $1 to $1,500 when payment is not auto debited from a CNB personal checking account. Land survey, if required is not included in bank paid costs. $500 closing cost recovery fee will be assessed if line is closed within 24 months of contract date. This loan consists of a 10-year draw period with interest only payments and a 15-year repayment period. Repayment period consists of variable rate monthly minimum payments including principal and interest. Repayment APR is based on U.S. Prime Rate as published in the Wall Street Journal +/- a margin but will not exceed 21% and will not fall below your base rate. Homeowners insurance is required. Your base rate is Prime +/- a margin determined by your loan to value and credit score. Rates and APRs are subject to change without notice. Consult your tax advisor regarding deductibility of interest. Subject to credit approval.

Branch Locations

Southaven Banking Centre
6296 Airways Blvd.
Southaven, MS 38671

Monday-Thursday: 9 a.m.-4 p.m.
Friday: 9 a.m.-5:30 p.m.

Goodman Road Banking Centre
7045 Goodman Road
Olive Branch, MS 38654

Monday-Thursday: 9 a.m.-4 p.m.
Friday: 9 a.m.-5:30 p.m.

Olive Branch Banking Centre
7280 Hacks Cross Road
Olive Branch, MS 38654

Monday-Thursday: 9 a.m.-4 p.m.
Friday: 9 a.m.-5:30 p.m.

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