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Citizens National Bank (TX)


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/21/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/21/2025
4.54%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/21/2025
3.80%
Our Rating
4.3  / 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
APY APY = Annual Percentage Yield Rates as of 3/21/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/21/2025
4.41%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/21/2025
4.50%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/21/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/21/2025
4.39%
Our Rating
3.6  / 5
Valley National Bank
High-Yield Savings Account Via Raisin
See Offer
Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/21/2025
4.25%
Our Rating
3.7  / 5
Sallie Mae Bank
14 Month High-Yield CD Via Raisin
See Offer
Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 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.cnbanktexas.com
254-697-6653
118 South Houston Street
Cameron, TX 76520

Citizens National Bank (TX) is headquartered in CAMERON and is the 143rd largest bank in the state of Texas. It is also the 1,528th largest bank in the nation. It was established in 1900 and as of December of 2024, it had grown to 78 employees at 12 locations. Citizens National Bank (TX)'s money market rates are 4X the national average, and it has an A health rating.

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Health
A

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #3127
Year Established1900
Employees78
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.1%
Return on Equity - YTD10.28%
Annual Interest Income$29.2MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$619.5MM$612.7MM
LoansQ4 2024vs Q4 2023$421.7MM$427.1MM
DepositsQ4 2024vs Q4 2023$546.5MM$549.2MM
Equity CapitalQ4 2024vs Q4 2023$70.1MM$61.2MM
Loan Loss AllowanceQ4 2024vs Q4 2023$6.5MM$6.7MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$264K$243K
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/21/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/21/2025
4.54%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/21/2025
3.80%
Our Rating
4.3  / 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
APY APY = Annual Percentage Yield Rates as of 3/21/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/21/2025
4.41%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/21/2025
4.50%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/21/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/21/2025
4.39%
Our Rating
3.6  / 5
Valley National Bank
High-Yield Savings Account Via Raisin
See Offer
Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/21/2025
4.25%
Our Rating
3.7  / 5
Sallie Mae Bank
14 Month High-Yield CD Via Raisin
See Offer
Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 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.

Citizens National Bank (TX) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%*$500k*$2mAdvantage Plus Saving
OTHER TIERS: 2.00% → $2m+ | 2.25% → $0 - $150k | 3.50% → $150k - $500k
1.01%$250k-Commercial Sweep
0.40%$0-Savings Account

Citizens National Bank (TX) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.75%*$150k*-Premier Money Market
OTHER TIERS: 0.55% → $0 - $25k | 0.75% → $25k - $75k | 1.00% → $75k - $150k

Citizens National Bank (TX) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.50%*$0$15kAdvantage Plus Checking
OTHER TIERS: 0.45% → $15k - $150k | 0.63% → $150k+
3.50%*$2.5k*$15kBusiness Advantage Plus Checking
OTHER TIERS: 1.00% → $1m+ | 1.20% → $15k - $1m

Citizens National Bank (TX) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$1k-7 Month CD Special
3.90%$10k-13 Month CD Special
1.55%$500-18 Month CD
1.55%$500-1 Year CD
1.55%$500-2 Year CD
1.55%$500-3 Year CD
1.00%$1k-6 Month CD

Citizens National Bank (TX) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.55%$500-1 Year Fixed IRA
1.55%$500-18 Month Fixed IRA
1.55%$500-2 Year Fixed IRA
1.55%$500-3 Year Fixed IRA
1.00%$1k-6 Month Fixed IRA
Locations

Availability



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