Effective 10-30-2008

Checking Accounts

MMIA
Minimum Balance To Obtain Annual Percentage Yield Interest Rate Annual Percentage Yield
< $1,000 .10% .10%
< $10,000 .25% .25%
< $30,000 .50% .50%
> $30,000 .75% .75%


 


NOW & 50 +
Minimum Balance To Obtain Annual Percentage Yield Interest Rate Annual Percentage Yield
< $800 .10% .10%
< $5,000 .20% .20%
< $10,000 .25% .25%
> $10,000 .35% .35%

Minimum deposit to open an account is $100.00. Fees may reduce yields and rates are subject to change at any time. For additional information, please contact a bank employee.

Member FDIC.



Savings Accounts

Personal & Business
Minimum Balance To Obtain Annual Percentage Yield Interest Rate Annual Percentage Yield
< $10,000 .70% .70%
< $30,000 .90% .90%
< $50,000 1.19% 1.20%
< $100,000 1.49% 1.50%
> $100,000 1.69% 1.70%

Minimum deposit to open an account is $100.00, excluding the Minor Savings Account.

Fees may reduce yields and rates are subject to change without notice. For additional information, please contact a bank employee.

Member FDIC.




Commercial Accounts

MMIA
Minimum Balance To Obtain Annual Percentage Yield Interest Rate Annual Percentage Yield
< $1,000 .10% .10%
< $10,000 .25% .25%
< $30,000 .50% .50%
> $30,000 .75% .75%



 

NOW
Minimum Balance To Obtain Annual Percentage Yield Interest Rate Annual Percentage Yield
< $800 .10% .10%
< $5,000 .20% .20%
< $10,000 .25% .25%
> $10,000 .35% .35%

Minimum deposit to open an account is $100.00. Fees may reduce yields and rates are subject to change at any time. For additional information, please contact a bank employee.

Member FDIC.




Current Interest Rates

Certificates of Deposit
Length of Time Interest Rate Annual Percentage Yield
91 Days 1.00% 1.00%
182 Days 1.49% 1.50%
1 Year 2.23% 2.25%
2 Year 2.72% 2.75%
3 Year 2.97% 3.00%
4 Year 3.06% 3.10%
5 Year 3.16% 3.20%
18 Month 2.72% 2.75%
30 Month 2.97% 3.00%

The minimum balance to open a Certificate of Deposit and obtain the stated APY is $1,000.00. *

*The minimum balance to open the above Certificate of Deposit (CD) Specials to obtain the Annual Percentage Yield (APY) is $5000.00. APY is based on quarterly compounding. A penalty may be imposed for early withdrawal on any CD. Current CD Specials are available for customers who have a checking account with CNB or customers who open an account with a minimum balance of $100 or more.



All of the above terms and rates are available for Individual Retirement Accounts (IRA's). Also available for IRA's is the following:


 

IRA's
Length of Time Interest Rate Annual Percentage Yield
18 MONTH VARIABLE* 2.97% 3.00%

* The minimum balance to open the 18 month variable and to obtain the APY is $100.00. Additions to the Variable Rate CD may be made in the amount of $25.00 or greater. The interest rate is based on the 3 Year CD rate and is subject to change at any time.

Member FDIC.