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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 7/1/2025
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
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.60%
Our Rating
4.3  / 5
American Express
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 7/1/2025
4.44%
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
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.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 70th largest bank in the state of Minnesota. It is also the 2,278th largest bank in the nation. It was established in 1933 and as of March of 2025, 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 boasts an A+ health rating.

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Health
A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #5223
Year Established1933
Employees49
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.73%
Return on Equity - YTD14.74%
Annual Interest Income$4.9MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$350.4MM$335.9MM
LoansQ1 2025vs Q1 2024$275MM$277.3MM
DepositsQ1 2025vs Q1 2024$305.4MM$284.6MM
Equity CapitalQ1 2025vs Q1 2024$41.8MM$38.1MM
Loan Loss AllowanceQ1 2025vs Q1 2024$4.8MM$4.7MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$577K$569K
Real Estate OwnedQ1 2025vs Q1 2024$91K$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
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
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.60%
Our Rating
4.3  / 5
American Express
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 7/1/2025
4.44%
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
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.

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
4.06%$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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