Features & Benefits
Get a higher rate of return on your savings balance with an interest-bearing Money Market account.
3.71% APY | 3.65% Interest Rate
Introductory Money Market Rate for New Personal Clients
Available to new personal clients who open a qualifying checking account and deposit at least $25,000 in new funds into a personal money market account.1
Money Market Interest Rates2
| BALANCE | ANNUAL PERCENTAGE YIELD (APY) | INTEREST RATE |
|---|---|---|
| Less than $10,000 | 0.35% | 0.35% |
| $10,000 to $24,999.99 | 0.35% | 0.35% |
| $25,000 to $49,999.99 | 0.35% | 0.35% |
| $50,000 to $99,999.99 | 0.35% | 0.35% |
| $100,000 to $499,999.99 | 0.35% | 0.35% |
| $500,000 to $999,999.99 | 0.35% | 0.35% |
| $1,000,000 to $2,499,999.99 | 0.80% | 0.80% |
| $2,500,000 to $4,999,999.99 | 0.80% | 0.80% |
| $5,000,000 to $9,999,999.99 | 0.80% | 0.80% |
| $10,000,000 and over | 0.80% | 0.80% |
FAQs
Additional Account Information
$2,500
$20 if balance requirements are not met3
$2,500 minimum daily balance3
Your Personal Money Market Account can be set up to provide overdraft protection for any City National Bank checking account.
- CA, FL#, NV, MN, DC & VA: 122016066
- GA & TN: 064009445
- NY: 026013958
City National Bank’s SWIFT Code is: CINAUS6L
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1 Offer Eligibility This offer is available exclusively to new personal deposit banking clients.
- New Client Definition: To qualify as a new personal deposit client, the primary account owner must not have held any personal deposit accounts with City National Bank within the preceding 12 months.
- Business Clients: Clients who maintain an existing business banking relationship but do not have an active personal deposit banking relationship are eligible for this offer. Not available to business entities or trusts.
- Limit: Limit of one (1) introductory MMA rate offer per primary account owner.
- Introductory Period: The introductory rate will be applied to the qualifying MMA for a 185-day period. See Introductory Rate Application and Duration Section for more details
Account Opening Requirements To qualify for the introductory MMA rate, clients must open both a qualifying checking account and a qualifying Money Market Account (MMA) with the same primary ownership.
- Qualifying Checking Accounts: Personal Checking, Personal Checking Plus, Preferred Checking, Private Bank Checking, or Colleague Checking.
- Qualifying MMAs: Personal MMA, Preferred MMA, Private Bank MMA, or Colleague MMA.
Funding & Balance Requirements
- Funding Window: Clients must deposit a minimum of $25,000 in new money into the newly opened MMA within 30 days of becoming a personal deposit client of the Bank. "New money" is defined as funds originating from an external institution; transfers from existing business accounts held at the Bank do not qualify.
- Maximum Introductory Balance: The introductory rate offer will apply to MMA balances up to a maximum of $5,000,000. Any client with MMA balances greater than $5,000,000 will be subject to the standard published rates for the remainder of the introductory period.
- Balance Maintenance: To continue earning the introductory rate during the 185-day period, the MMA must maintain a minimum daily balance of $25,000. If the daily balance falls below $25,000, the account may be subject to standard published rates for the remainder of the introductory period.
- Linked Account Status: The qualifying checking account must remain open and in good standing for the duration of the introductory period.
Introductory Rate Application and Duration
- Application Timeline: Upon meeting the account opening and minimum funding requirements within the 30-day window, the introductory rate will be applied to the qualifying MMA within 10 business days.
- Duration: The introductory rate will remain in effect for 185 days from the exact date the rate increase is applied to the account.
- Post-Introductory Period: At the conclusion of the 185-day introductory period, the interest rate and Annual Percentage Yield (APY) will automatically revert to the standard published rate for the respective MMA product.
The interest rate and associated annual percentage yield (APY) are established by City National Bank and may vary as often as daily without prior notice, both before and after account is opened. The APY assumes no withdrawal of credited interest and no change in interest rate for a full year. During the 185-day introductory period, the introductory interest rate will be maintained at a higher tier than the standard published rate for the respective MMA product; however, because the base rates are variable and can change as often as daily, there is no fixed rate guarantee for the duration of the introductory period.
General Terms & Disclosures This offer is subject to change, modification, suspension, or termination at any time and without prior notice. Standard account terms, conditions, and fee schedules apply. Account openings are subject to standard Bank approval processes. Interest earned is subject to IRS tax reporting, and a 1099-INT may be issued; the client is responsible for any applicable taxes. Consult your tax advisor.
2 The interest rate and associated Annual Percentage Yield ("APY") are accurate as of
06/15/2026
, are established by City National Bank and may vary as often as daily. APY assumes no withdrawal of credited interest and no change in interest rate for a full year. Service fees may reduce account earnings. Stated APY is based on monthly compounding.
3 Please refer to City National’s Account Agreement and Disclosures and applicable Fee Schedule for details about how the balance required to waive the monthly maintenance fee is calculated.
See pricing information. Additional fees and charges apply. Pricing information and other fees and charges are subject to change without notice.
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