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The Citizens National Bank of Park Rapids


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.54%
Our Rating
4.2  / 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 4/29/2025
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 4/29/2025
4.45%
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 4/29/2025
4.36%
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 4/29/2025
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 4/29/2025
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 4/29/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
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.cnbbank.com
800-362-6308
300 West First Street
Park Rapids, MN 56470

The Citizens National Bank of Park Rapids is headquartered in PARK RAPIDS and is the 69th largest bank in the state of Minnesota. It is also the 2,256th largest bank in the nation. It was established in 1933 and as of December of 2024, it had grown to 49 employees at 1 location. The Citizens National Bank of Park Rapids' money market rates are 6X 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 #5223
Year Established1933
Employees49
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.48%
Return on Equity - YTD13.18%
Annual Interest Income$19.3MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$354.1MM$344MM
LoansQ4 2024vs Q4 2023$285.8MM$279.5MM
DepositsQ4 2024vs Q4 2023$305.3MM$291MM
Equity CapitalQ4 2024vs Q4 2023$40.9MM$37.5MM
Loan Loss AllowanceQ4 2024vs Q4 2023$4.8MM$4.7MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$1.7MM$425K
Real Estate OwnedQ4 2024vs Q4 2023$96K$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.54%
Our Rating
4.2  / 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 4/29/2025
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 4/29/2025
4.45%
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 4/29/2025
4.36%
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 4/29/2025
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 4/29/2025
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 4/29/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
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.

The Citizens National Bank of Park Rapids Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%$0-Education IRA
0.30%$10-Christmas Savings Account
0.30%$0-Statement Savings Account

The Citizens National Bank of Park Rapids Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.75%*$500k*-Platinum Money Market Account
OTHER TIERS: 0.25% → $0 - $1k | 0.75% → $1k - $50k | 1.25% → $50k - $150k | 1.50% → $150k - $500k
0.50%*$150k*-Premium Money Market Account
OTHER TIERS: 0.30% → $1k - $25k | 0.35% → $25k - $50k | 0.40% → $0 - $1k | 0.45% → $50k - $150k

The Citizens National Bank of Park Rapids Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$0-Hometown Interest Checking Account

The Citizens National Bank of Park Rapids CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.15%$2.5k-5 Month CD Special
4.00%$25-Graduate CD
3.44%$10k-60 Month CD
3.29%$10k-36 Month Step up Rate CD
3.14%$500-30 Month CD
3.03%$500-12 Month CD
3.03%$500-18 Month CD
3.03%$500-24 Month CD
2.73%$500-9 Month CD
2.63%$1k-6 Month CD
2.53%$1k-3 Month CD

The Citizens National Bank of Park Rapids IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%$25-2 Year Variable Rate IRA
2.75%$25-1 Year Fixed Rate IRA
Locations


The Citizens National Bank of Park Rapids Locations
The Citizens National Bank Of Park Rapids300 1st St WPark Rapids, MN 56470

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