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CDs & IRAs

We're right here to help you maximize your earnings.

Check out our new CD Specials


CD Rates


Product Interest Rate  *APY
7 to 30 Days
0.50% 
0.50%
91 Days 0.50% 0.50%
6 Months* 2.71% 2.75%
12 Months 0.75%  0.75% 
13 Months** 3.20% 3.25%
18 Months*** 3.92%  4.00% 
24 Months 1.24%  1.25% 
26 Months
(1 Time Bump)
1.24%  1.25% 
30 Months 1.24% 1.25%
36 Months 1.24% 1.25%
42 Months
(1 Time Bump)
1.00% 1.00%
60 Months 1.00% 1.00%

All CDs require a $500 minimum deposit to open. Interest is compounded daily.
 
*APY = Annual Percentage Yield
 Rates are effective 12/5/22. Rates are subject to change. You may call (304) 258-1520 to obtain the most current rates and for any questions you may have about our accounts.
 
(1) The Annual Percentage Yield (APY) is valid as of publication date 12/5/2022 and is subject to change without notice. The stated APY is valid for a 6-month CD opened with at least $50,000.00 or more in new money not on deposit at CNB. A 6-month CD opened without $50,000.00 in new money will earn 2.25% APY. Minimum opening balance is $500.00. Upon maturity the 6-month CD will automatically renew into another 6-month CD at the prevailing rate. Interest compounds daily and credits monthly. Account is subject to early withdrawal penalty.
(2) The Annual Percentage Yield (APY) is valid as of publication date 12/5/22 and is subject to change without notice. The stated APY is valid for a 13-month CD opened with at least $50,000.00 or more in new
money not on deposit at CNB. A 13-month CD opened without $50,000.00 in new money will earn 2.75% APY. Minimum opening balance is $500.00. Upon maturity, the 13-month CD will automatically renew
into a 12-month CD at the prevailing rate. Interest compounds daily and credits monthly. Account is subject to early withdrawal penalty.
(3) The Annual Percentage Yield (APY) is valid as of publication date 12/5/22 and is subject to change without notice. The stated APY is valid for an 18-month CD opened with at least $50,000.00 or more in new money not on deposit at CNB. An 18-month CD opened without $50,000.00 in new money will earn 3.25% APY. Minimum opening balance is $500.00. At maturity, the 18-month CD will automatically renew into another 18-month CD at the prevailing rate. Interest compounds daily and credits monthly. Account subject to early withdrawal penalty.
 

IRA Rates

Product Interest Rate APY*
18 Month Flex 0.25% 0.25% 
Interest is compounded daily.
*APY = Annual Percentage Yield
Rates are effective 12/5/22. Rates are subject to change. You may call (304) 258-1520 to obtain the most current rates and for any questions you may have about our accounts.
A penalty may be imposed for early withdrawal. Rate may change after the account is opened.