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Central National Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.centralnational.com
785-238-4114
802 North Washington Street
Junction City, KS 66441

Central National Bank is headquartered in JUNCTION CITY and is the 12th largest bank in the state of Kansas. It is also the 851st largest bank in the nation. It was established in 1884 and as of March of 2025, it had grown to 260 employees at 35 locations. Central National Bank's CD rates are 4X the national average, and it has an A health rating.

Reviews (1)

Fraud Charges

Posted by: |

I have banked with Central National Bank for over 10 years and never had any issues until my checking account was charged $496 by an unknown merchant. I filed a fraudulent claim with the bank and they declined my claim and refused to reimburse my money. I know that I did not make the purchase, the information the merchant provided was all fake. The bank approved the charge even though my card information was typed in online and they didn't have the CVV code to verify my card. The bank did not alert me to any fraud activity despite the same merchant attempting to charge my account twice in a row once for $1600 and the second time for $496. They refuse to give me my money bank or allow me to speak with the fraud department.

1


Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #4702
Year Established1884
Employees260
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.09%
Return on Equity - YTD11.3%
Annual Interest Income$15.4MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.27B$1.25B
LoansQ1 2025vs Q1 2024$722.6MM$664.9MM
DepositsQ1 2025vs Q1 2024$1.12B$1.12B
Equity CapitalQ1 2025vs Q1 2024$125.5MM$117.6MM
Loan Loss AllowanceQ1 2025vs Q1 2024$13.9MM$13.5MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$117K$440K
Real Estate OwnedQ1 2025vs Q1 2024$530K$364K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Central National Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$0-Central Advantage Savings
0.15%$0-Central Youth Savings
0.15%$0-Health Savings Account
0.15%$0-Central Secret Agent Savings

Central National Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%*$1m*-Central Prestige Money Market
OTHER TIERS: 0.70% → $1k - $10k | 0.75% → $10k - $50k | 0.95% → $50k - $250k | 1.16% → $250k - $1m

Central National Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$0- Central Premium Checking

Central National Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.85%$5k-12 Month CD Special w/ Active Checking
3.85%$5k-24 Month CD Special with Active Checking
3.85%$5k-36 Month CD Special with Active Checking
3.60%$5k-12 Month CD Special w/o Active Checking
3.60%$5k-24 Month CD Special w/o Active Checking
3.60%$5k-36 Month CD Special w/o Active Checking
1.74%*$50k*-5+ Year CD
OTHER TIERS: 1.54% → $1k - $10k | 1.64% → $10k - $50k
1.69%*$50k*-3 - 4.99 Year CD
OTHER TIERS: 1.51% → $1k - $10k | 1.59% → $10k - $50k
1.51%*$50k*-2 - 2.99 Year CD
OTHER TIERS: 1.32% → $1k - $10k | 1.40% → $10k - $50k
1.40%*$50k*-1 - 1.99 Year CD
OTHER TIERS: 1.28% → $1k - $10k | 1.35% → $10k - $50k
1.00%$500-12 Month Variable Rate "Add-On" CD
0.89%*$50k*-182-364 Day CD
OTHER TIERS: 0.78% → $1k - $10k | 0.84% → $10k - $50k
0.75%*$50k*-7-90 Days CD
OTHER TIERS: 0.65% → $1k - $10k | 0.70% → $10k - $50k
0.75%*$50k*-91-181 DayCD
OTHER TIERS: 0.65% → $1k - $10k | 0.70% → $10k - $50k
Locations

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