The Citizens National Bank of Southwestern Ohio has a special 4.00% APY 15-month CD. The minimum deposit is $1,000. The details of this don't seem to be listed at the bank's website. A reader sent me an email on this, and I just called for additional details. According to the CSR, the CD special will likely not last much longer. She expected it to end on Monday.
The reader also mentioned that this CD has the unique feature that they will waive the early withdrawal penalty for medical emergencies. I forgot to ask for additional details about this when I called.
Branches are located in the Ohio cities of Dayton, Huber Heights and Miamisburg. The bank has been FDIC insured since 2000 (FDIC Certificate # 35302). It's a small bank with just under $100 million in assets.
Thanks to the reader who emailed me info on this special.
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