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The 136 Year CD Special promotion is only active between 9/28/2020 00:01 and 11/2/2020 23:59.

Happy Birthday Central National Bank!

We're celebrating 137 years during the month of October and we're giving all of the presents to you, our valued customers.

13 Months at 0.75% APY

This rate is an EXCLUSIVE offer at our branch locations. To open a CD, simply stop by your local branch and speak to one of our Personal Bankers. The special rate is available to core customers with an active checking account and a minimum deposit of $50001.

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136 Year CD Special

Expect more than a great rate from your CD.

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Earn Interest

Lock in an APY and your term. Then, all you have to do is look forward to your interest payout at the end of that term.

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Your funds are securely invested in a risk-free environment and locked in for your guaranteed term. Sit back and wait for the benefits to roll in!

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CD rates generally bring in a higher rate of return than regular deposit accounts, and the best part is that you don't have to worry about stock prices.

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Have your interest transferred to your checking or savings account at Central.

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Online Banking

Know what's going on with your money.

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We live and work in the same communities that you do. That means we care when you come in with questions.

Compare a CD to a Savings Account

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What is a CD?

A certificate of deposit is a timed deposit. You deposit a specific amount of money for an agreed upon term and after the term is up, you withdraw the money along with a healthy sum of interest. The higher the APY (or annual percentage yield) the higher amount of interest you will earn on your deposit. There's a penalty for early-withdrawal, so as long as you have a decent emergency fund, it's a fairly low-risk investment and a good way to tie up some of your funds if you're looking for a way to avoid spending in favor of saving.

Not a customer yet? Let's get you signed up.

Joining the team never felt so good. Great savings and fresh technology to manage your money.

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What would I use a CD for?

A CD is similar to a savings account in that it earns interest and is backed by FDIC insurance. Where it differs is the flexibility of your funds. You can't make withdrawals before the term is complete without penalty. We like to use a short-term CD to save for small projects, vacations or larger purchases that require a sizeable amount of cash. Start by putting your funds into a CD with a high rate of return, so when it's time to make that purchase you've got a little bit more saved than if you had parked those funds into a savings or money market account.

1 Limited time offer. Annual Percentage Yields are accurate as of 9/28/2020 00:01 and available for a limited time. Rate is based on a 13 month term and requires a $5000 minimum deposit. Penalties apply for early withdrawals; fees may reduce earnings. Offer good for initial term only; automatic renewal will be at rate in effect at time of renewal. To obtain this yield a new or existing Central National Bank checking account is required. Not available for public funds.

How can we help?

Let us know the best way to reach you and one of our customer representatives will be in touch.

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Secure Page Sign-In

Ensuring the security of your personal information is important to us. When you sign in to Online Banking on our home page, your User Name and Password are secure. The moment you click the Log In button, we encrypt your user name and password using Secure Sockets Layer (SSL) technology.

Browser Security Indicators

You may notice when you are on our home page that some familiar indicators do not appear in your browser to confirm the entire page is secure. Those indicators include the small "lock" icon in the bottom right corner of the browser frame and the "s" in the Web address bar (for example, "https").

To provide the fast access to our home page, we have made signing in to Online Banking secure without making the entire page secure. You can be assured that your ID and password are secure and that only Central National Bank has access to them.

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Secure Socket Layer (SSL) technology secretly encodes (encrypts data) information that is being sent over the Internet between your computer and Central National Bank, helping to ensure that the information remains confidential.

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