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Chicago Rates

Certificate of Deposit

Term LengthMin. Opening DepositRateAPY

This is the disclaimer

Money Market

BalanceMin. Opening DepositRateAPY
$0.01 - $49,999.99$5,000.000.100 % 0.100 %
$50,000 - $99,999.99$5,000.000.180 % 0.180 %
$100,000 and above$5,000.000.250 % 0.250 %

Balances are based on the average daily balance per statement cycle.

A minimum deposit of $5,000 is required to open.
A minimum average daily balance of $0.01 must be maintained every statement cycle to obtain the disclosed Interest Rate / Annual Percentage Yield (APY).

Annual Percentage Yield (APY) and balance tiers are subject to change at any time at our discretion. Fees could reduce earnings on the account.

Premium Checking

Do you maintain a balance of $1,500 in your account?

  • Anywhere Banking Tools | Online banking, mobile banking, bill pay, debit card and estatements
  • Shop Local Save with BaZing Savings | Local discounts and national retailer deals to save you money
  • Cell Phone Protection
  • ID Theft Aid
  • Road Side Assistance
  • $10,000 Travel Accidental Death Coverage
  • Pharmacy, Hearing and Vision Savings
  • Great Interest on Your Checking Balance
TermMin. Opening DepositRateAPY
$1,500.00 - $19,999.99$100.000.050 % 0.050 %
$20,000.00 - $49,999.99$100.000.100 % 0.100 %
$50,000 - and above$100.000.150 % 0.150 %

Elite eVantage

Do you want to earn a great interest rate?

  • Anywhere Banking Tools | Online banking, mobile banking, bill pay, debit card and estatements
  • Receive premium interest and foreign ATM surcharge refunds of up to $12
Balance Tiers Annual Percentage Yield
Premium Rate (when qualifications** are met)  
$0.01 - $15,000.00 1.26%
$15,000.01 and above 1.26 - 0.27%
Base Rate (if qualifications* are not met)  
Entire Balance 0.10%
  • 1.26% APY on balances up to $15,000
  • 1.26% - 0.27% APY on balances of $15,000.01 and above
  • 0.10% APY on entire balance if requirements are not met
  • A minimum deposit of $100.00 is required to open
  • Offer applies to in-branch account opening only

**To qualify for premium rate, requirements must be met during each statement cycle:

  • Have 10 or more debit card POS purchases post to your account.
  • Have 1 recurring direct deposit or 1 recurring ACH debit or use CNB’s free Bill Pay
  • Access your CNB Online Banking at least once during the statement cycle
  • Have a valid email address to receive the required eStatements and electronic notices

APY and balance tiers are subject to change at any time at our discretion. Minimum average daily balance of $0.01 required to obtain advertised APY. Fees could reduce earnings on the account.

 

Balance TiersMin. Daily BalanceRateAPY

Regular Savings

  • A safe place to watch your money grow
  • FREE Online Banking, Mobile Banking, & eStatements
Daily BalanceMin. Opening DepositRateAPY
$200.00 and above$200.000.100 % 0.100 %

Minimum Opening Deposit $200.00; $50 if under 18. $200.00 Minimum Balance Requirement to Receive Interest. $3.00 Monthly Fee if balance falls below $200.00. Interest Compounded Quarterly - Please Call For Current Rates. Monthly or Quarterly Paper Statements.

Mortgage Loans

The decision to purchase or refinance a home can be both exciting and overwhelming. Whether you're moving into your first home or your fourth, CNB Bank & Trust, N.A. can simplify the mortgage process for you and provide guidance every step of the way.

ProductRateAPRAPY

Youth Savings

  • Savings account for kids 12 and under to promote smart money habits
  • No Minimum Balance
  • No Monthly Service Fee
  • Monthly or Quarterly Paper Statements
  • FREE Online Banking, Mobile Banking, & eStatements
TermMin. Opening DepositRateAPY
$0.01 and above$5.000.100 % 0.100 %

Accumulator Savings

  • Plan for future expenditures such as annual property taxes, insurance, vacations, etc.
  • No Monthly Service Fee
  • You pick maturity date as well as deposit amount and frequency
  • FREE Online Banking, Mobile Banking, & eStatements
Daily BalanceMin. Opening DepositRateAPY
$40.00 and above$10.000.250 % 0.250 %

$40.00 Minimum Balance Requirement to Receive Interest. Interest Compounded Daily - Please Call For Current Rates.

Christmas Club

  • Plan ahead for next year's holiday expenses
  • No Monthly Service Fee
  • Annual Paper Statements at Maturity
  • FREE Online Banking, Mobile Banking, & eStatements
  • Advertised Annual Percentage Yield is fixed until account maturity on October 1st each year
  • Minimum deposit required to open an account - $10
  • Minimum balance required to obtain the advertised Annual Percentage Yield - $50
  • Term of the account - account matures on October 1st each year
  • Additions to account - requires an automatic transfer from another CNB Bank & Trust, N.A. account at least once per month
  • Interest will be credited and paid at maturity, with the full balance paid by check or direct deposit to another account
  • A penalty will be imposed for early withdrawal and the entire balance must be withdrawn  
Daily BalanceMin. Opening DepositRateAPY
$50.00 and above$10.000.250 % 0.250 %

Progressive Savings

  • Earn higher, tiered interest rates, while still having access to your funds
  • Interest Compounded Monthly
  • Monthly or Quarterly Paper Statements
  • FREE Online Banking, Mobile Banking, & eStatements
Daily BalanceMin. Opening DepositRateAPY
$0.01 - $24,999.99$10,000.000.050 % 0.050 %
$25,000.00 - $49,999.99$10,000.000.100 % 0.100 %
$50,000.00 - $74,999.99$10,000.000.150 % 0.150 %
$75,000.00 - $99,999.99$10,000.000.180 % 0.200 %
$100,000.00 - $249,999.99$10,000.000.200 % 0.250 %
$250,000.00 and above$10,000.000.250 % 0.250 %

$10,000.00 Minimum Balance Requirement to Avoid Monthly Service Fee of $10.00.

Health Savings Checking Account

  • A way to save pre-tax dollars for qualified medical expenses
  • No Minimum Balance Required
  • No Monthly Service Fees
  • Minimal Set-Up Fee
  • No Annual Fee for account balances of $5,000.00 or more
  • FREE Checks (first 50)
  • FREE Monthly Statements
  • FREE ATM/Debit Cards
  • FREE Online Banking, Mobile Banking, & eStatements

 

Daily BalanceMin. Daily BalanceRateAPY
$500.00 - $4,999.99$0.000.200 % 0.200 %
$5,000 and above$0.000.300 % 0.300 %
  • Must have a HDHP (high deductible health plan) insurance plan to have an HSA account
  • Interest Tiers - Please Call For Current Rates
    • $500.00 - $4,999.99
    • $5,000.00 - Up
  • Individual and employer direct deposit contributions and electronic transfers
  • If your balance falls below $5,000.00 on any day in the year, your account will be subject to a $25.00 annual fee for that year.

For More Information About HSAs

Additional information about HSAs can be found on the U.S. Treasury website, www.treasury.gov (type “Health Savings Accounts” in the search box). Or visit the IRS website, www.irs.gov, and access Publication 969 (Health Savings Accounts and Other Tax-Favored Health Plans) and/or the Instructions for Form 8889 (Health Savings Accounts).

Selected Rates current as of 12/1/2021, for approved customers.

Third Party Site Disclaimer

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