Consumers National Bank

Bank Interest Rates: Savings, CDs, Money Market, and Checking

Consumers National Bank's interest rates are updated daily and apply to a range of personal and business accounts, including high-yield checking, savings, money market, health savings, and certificates of deposit (CDs). Most accounts require a minimum opening deposit of $50, and many offer tiered rates so your balance earns more as it grows. All deposits are FDIC-insured, backed by the full faith and credit of the U.S. government.

When you partner with Consumers National Bank, you’ll benefit from:

  • Competitive interest rates
  • Growth products to help you reach financial goals
  • The opportunity to earn on every dollar you entrust to us

You'll find a variety of accounts to help you manage daily expenses, set aside funds for healthcare costs, and grow savings over time.

Many of the account options at Consumers National Bank deliver strong returns with low minimum balances. Interest rates and APYs* shown here are effective today only and are subject to change daily.

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Brilliant High Yield Checking LEARN MORE

A free personal checking account with high yield interest.

Balance

Minimum Opening Deposit

Interest Rate

APY*

$0.01 to $10,000

$50

1.49%**

1.50%**

$10,000.01 & Over

$50

0.02%

0.02%

*APY = Annual Percentage Yield. Fees may reduce earnings. Rates effective as of 06/19/2026 | Member FDIC

**When conditions are met. If you do not qualify, you will earn 0.02% APY on the average collected balance for the statement period. Both rates are subject to change at any time. See details here.

Consumers Relationship Checking LEARN MORE

An interest-bearing personal checking account with a variety of features.

Balance

APY*

< $5,000

0.02%

$5,000.00 to $9,999.99

0.02%

$10,000.00 to $49,999.99

0.02%

$50,000.00 & Over

0.02%

*APY = Annual Percentage Yield. Fees may reduce earnings. Rates effective as of 06/19/2026 | Member FDIC

Consumers Relationship Money Market LEARN MORE

A savings account with 5 tiers of interest rates.

Balance

Interest Rate

APY*

< $10,000

0.10%

0.10%

$10,000.00 to $24,999.99

0.50%

0.50%

$25,000 to $99,999.99

1.00%

1.01%

$100,000 to $499,999.99

1.49%

1.50%

$500,000 & over

1.98%

2.00%

*APY = Annual Percentage Yield. Fees may reduce earnings. Rates effective as of 06/19/2026 | Member FDIC

Certificates of Deposit (CDs) LEARN MORE

A low-risk investment tool offering guaranteed returns at a fixed rate.

Term

Minimum Opening Deposit

Interest Rate

APY*
    5 Month $1,000.00 3.20% 3.25%
    9 Month $1,000.00 3.44% 3.50%
  25 Month $1,000.00 3.20% 3.25%

*APY = Annual Percentage Yield. Fees may reduce earnings. Rates effective as of 06/19/2026 | Member FDIC

Rates subject to change at any time without notice. Service fees or penalties charged against the account may reduce earnings. Penalty for early withdrawal. Special rate offers limited to $1 million per depositor. Not available for Brokers/Agents/Public Funds/Financial Institutions
Please call (800) 948-1262 for information about public fund deposits.

Dimes to Dollars Savings LEARN MORE

Round debit card purchases up to the nearest dollar, and watch your savings grow!

Balance

Minimum Opening Deposit

Interest Rate

APY*

$0.01 to $999.99

$50

2.97%

3.00%

$1,000+

$50

0.03%

0.03%

*APY = Annual Percentage Yield. Fees may reduce earnings. Rates effective as of 06/19/2026 | Member FDIC

Personal Savings LEARN MORE

A flexible savings account with competitive interest rates.

Balance

Minimum Opening Deposit

Interest Rate

APY*

$200.00 to $249,999.99

$50

0.03%

0.03%

$250,000+

$50

0.05%

0.05%

*APY = Annual Percentage Yield. Fees may reduce earnings. Rates effective as of 06/19/2026 | Member FDIC

Other Personal Savings

Savings accounts for short-term and long-term goals at any age.

Account

Minimum Opening Deposit

Interest Rate

APY*

Holiday Savings

$10

0.03%

0.03%

Individual Retirement Account (IRA)

$100

0.03%

0.03%

*APY = Annual Percentage Yield. Fees may reduce earnings. Rates effective as of 06/19/2026 | Member FDIC

Consumer Premium MMDA LEARN MORE

A money market deposit account that gives you access to funds when you need them and tiered interest rates for higher returns.

Balance

Minimum Opening Deposit

Interest Rate

APY*

$0 to $19,999.99

$50

0.10%

0.10%

$20,000 to $74,999.99

$50

0.30%

0.30%

$75,000+

$50

0.50%

0.50%

*APY = Annual Percentage Yield. Fees may reduce earnings. Rates effective as of 06/19/2026 | Member FDIC

Health Savings Account LEARN MORE

Set aside pre-tax** dollars to pay for qualified medical expenses.

Balance

Minimum Opening Deposit

Interest Rate

APY*

$0.01 to $2,499.99

$50

0.02%

0.02%

$2,500 to $9,999.99

$50

0.05%

0.05%

$10,000+

$50

0.08%

0.08%

*APY = Annual Percentage Yield. Fees may reduce earnings. Rates effective as of 06/19/2026 | Member FDIC

**Consult your tax advisor

Business Savings LEARN MORE

A flexible savings account that helps you earn interest on surplus cash until you need it.

Balance

Minimum Opening Deposit

Interest Rate

APY*

$200.00 to $249,999.99

$100

0.03%

0.03%

$250,000+

$100

0.05%

0.05%

*APY = Annual Percentage Yield. Fees may reduce earnings. Rates effective as of 06/19/2026 | Member FDIC

Business Premium MMDA LEARN MORE

A money market deposit account with 3 tiers to increase your earning potential with check-writing access to your funds.

Balance

Minimum Opening Deposit

Interest Rate

APY*

$0 to $19,999.99

$100

0.10%

0.10%

$20,000 to $74,999.99

$100

0.30%

0.30%

$75,000+

$100

0.50%

0.50%

*APY = Annual Percentage Yield. Fees may reduce earnings. Rates effective as of 06/19/2026 | Member FDIC

 

FAQ’s About Our Bank Interest Rates

What Are the Current Savings Account Interest Rates?

Savings account interest rates at Consumers National Bank vary by account type and balance tier, and are updated daily. The Personal Savings account earns 0.03% APY on balances from $200 to $249,999.99, rising to 0.05% APY on balances of $250,000 and over. The Consumers Relationship Money Market offers five tiers, with rates ranging from 0.10% APY on balances under $10,000 up to 2.00% APY on balances of $500,000 and over. For the highest available savings rate, the Brilliant High Yield Checking account earns 1.50% APY on balances up to $10,000 when qualifying conditions are met. All accounts require a minimum opening deposit of $50. Rates are subject to change at any time without notice.

What CD Rates Are Available At Consumers National Bank?

CD rates at Consumers National Bank are currently available on three terms. The 5-month CD earns 3.25% APY, the 9-month Certificate of Deposit earns 3.50% APY, and the 25-month CD earns 3.25% APY. All terms require a minimum opening deposit of $1,000. CDs are a fixed-rate investment tool, meaning your rate is locked for the full term. Early withdrawal penalties apply, and special rate offers are limited to $1 million per depositor. CDs are not available for brokers, agents, public funds, or financial institutions. For public fund deposit information, call (800) 948-1262.

How Often Do Bank Interest Rates Change?

Bank interest rates at Consumers National Bank are reviewed and may change daily. The rates shown on this page are effective as of the date listed on each rate table and are subject to change at any time without prior notice. If you are comparing rates or planning to open an account, checking this page on the day you intend to open ensures you are viewing the current figures. For the most up-to-date information, you can also contact any of our banking branches directly or call (800) 948-1262. All deposits are FDIC-insured regardless of rate changes.

Ready to Put Your Money to Work?

Our bank interest rates are updated daily across savings, CDs, money market, and checking accounts, so even if you're looking to grow your savings or earn more on your everyday balance, there's an account built for that. Stop in at any branch, or give us a call, and we'll help you find the right fit.

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Consumers Bank

Consumers Bank

Consumers Bank

Consumers Bank

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