The Citizens National Bank of Park Rapids

TODAY'S FEATURED RATES

Member FDIC

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

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

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

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

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

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 70^th largest bank in the state of Minnesota. It is also the 2,278^th 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 Established	1933
Employees	49
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.73%
Return on Equity - YTD	14.74%
Annual Interest Income	$4.9MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$350.4MM$335.9MM
Loans	Q1 2025vs Q1 2024	$275MM$277.3MM
Deposits	Q1 2025vs Q1 2024	$305.4MM$284.6MM
Equity Capital	Q1 2025vs Q1 2024	$41.8MM$38.1MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$4.8MM$4.7MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$577K$569K
Real Estate Owned	Q1 2025vs Q1 2024	$91K$0

TODAY'S FEATURED RATES

Member FDIC

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

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

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

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

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

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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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	$0	-	Hometown Interest Checking Account

The Citizens National Bank of Park Rapids CD Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME	VIEW 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 Rapids	300 1st St W	Park Rapids, MN 56470

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