Potential Fraud Warning!
Citizens National Bank has learned that fraudulent calls are being made to our customers. Callers are stating they are from "Citizens National Bank" and are spoofing the Bank's telephone number, 601.693.1331. The caller will suggest there has been fraudulent activity and may ask for online banking credentials or other personal information, including the "username" and "password" to your online banking account! Please note that Citizens National Bank will NOT call and ask you to verify information such as your username or password to your online banking account, your social security number or your account number. If you receive a call requesting any of this type of sensitive customer information, please call Citizens National Bank at 601.693.1331.

Welcome to Certificates of Deposit & IRAs

Certificates of Deposit & IRAs

Savings with Locked-In Rates

A time deposit, commonly referred to as a certificate of deposit, or CD, offers a fixed rate of interest over a specific time, and yields a higher rate of interest than most savings accounts.

  • Terms range from seven days to 60 months. Early withdrawal penalties may apply.
  • Minimum deposit to open is $2,500. Additional deposits are not allowed.
  • For terms of one year or greater, interest is credited and compounded quarterly. For terms of less than one year, interest is credited and compounded at maturity.
  • Interest can be paid back to your short-term CD, transferred to your CNB checking account, or paid by check quarterly.
  • Your savings are FDIC insured up to $250,000 per depositor, per insured bank, for each ownership category.