New money deposits required. $10,000 minimum opening deposit.1
| TERM | ANNUAL PERCENTAGE YIELD (APY) | INTEREST RATE |
|---|---|---|
| 7 to 31 days | 0.05% | 0.05% |
| 1 month (32 to 59 days) | 0.05% | 0.05% |
| 2 months (60 to 89 days) | 0.05% | 0.05% |
| 3 months (90 to 179 days) | 3.30% | 3.25% |
| 5 months liquid | 3.09% | 3.05% |
| 6 months (180 to 269 days) | 2.84% | 2.80% |
| 9 months (270 to 364 days) | 2.27% | 2.25% |
| 11 months | 2.78% | 2.75% |
| 12 to 23 months | 2.02% | 2.00% |
| 24 to 35 months | 1.76% | 1.75% |
| 36 to 47 months | 1.56% | 1.55% |
| 48 to 59 months | 1.41% | 1.40% |
| 60 months or more | 1.31% | 1.30% |
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| TERM | MINIMUM OPENING DEPOSIT |
|---|---|
| 7 to 31 days | $10,000 |
| 1 month (32 to 59 days) | $10,000 |
| 2 months (60 to 89 days) | $10,000 |
| 3 months (90 to 179 days) | $10,000 |
| 5 months liquid | $10,000 |
| 6 months (180 to 269 days) | $10,000 |
| 9 months (270 to 364 days) | $10,000 |
| 11 months*† | $10,000*† |
| 12 to 23 months | $2,500 |
| 24 to 35 months | $2,500 |
| 36 to 47 months | $2,500 |
| 48 to 59 months | $2,500 |
| 60 months or more | $2,500 |
Each penalty is calculated on the amount withdrawn.
‡The 5-month liquid CD allows for one penalty-free withdrawal. Withdrawals may reduce earnings.
City National Bank’s SWIFT Code is: CINAUS6L
Click here to read the agreements, fees and disclosures.
Earn higher rates and make your money work for you.
1 Special 6-Month Fixed Rate: Eligible personal and business clients must open a new 6-month term CD using new to City National Bank money in order to earn the Special 6-Month Fixed Rate, currently 3.82% Annual Percentage Yield (APY)/3.75% Interest Rate. Special 6-Month Fixed Rate will be fixed for a term of 6-months only. The CD will automatically renew at the then-prevailing published 6-month standard rate and APY at the time of renewal and every renewal period thereafter. This Special 6-Month Fixed Rate offer requires a minimum opening balance of $10,000 and all money used to fund the CD must be new to City National Bank.
Offer Eligibility Requirements: Client must request the Special 6-Month Fixed Rate at account opening. Available only on a new City National Bank Personal CD or City National Bank Business CD. New money is defined as incoming deposits from City National Rochdale, City National Securities, or from another financial institution (e.g. via ATM, check, wire transfer, ACH or Zelle), deposited to City National Bank deposit accounts owned by the same client opening the CD, within the previous 30 calendar days prior to CD account opening. Incoming deposits can only be used once for the rate offer and cannot subsequently be counted towards the new money of another Special 6-Month Fixed Rate CD. Offer is available to new and existing personal and business clients only. Large Corporate clients and public fund accounts are not eligible for this Special 6-Month Fixed Rate.
Additional Terms: You may pay an early withdrawal penalty if you withdraw funds or close your CD before the term is complete. All accounts are subject to approval, applicable terms, fees, and may have account eligibility requirements that are separate from this rate offer. For the current City National Bank disclosures and applicable fee schedule, please visit https://www.cnb.com/agreements or reach out to a City National Bank relationship manager and request the applicable fee schedule. Account disclosures and fee schedules can change, however, a change in terms notice will be made available as required. City National Bank reserves the right to change, discontinue or cancel this promotion or offer, in whole or in part, at any time. Terms, conditions, and fees for accounts, products, programs, and services are subject to change at any time. Current rate as of 1/07/2026.
2 The interest rate and associated Annual Percentage Yield ("APY") are accurate as of
01/02/2026
, are established by City National Bank and may vary as often as daily. CD accounts earn a simple rate of interest compounded only if and when interest is posted to the account. You may choose to have your interest post monthly, quarterly, semiannually or annually. For accounts with a term of less than one (1) year, you may choose to have interest posted at maturity, in which case, interest will not be compounded. The APY assumes interest remains on deposit for the term of the certificate. A penalty may be imposed for early withdrawal. Any withdrawal will reduce earnings.
*$10,000 minimum opening deposit required.
†Qualified funds must be new money deposited from external accounts or payees other than City National Bank or any of its affiliates, including but not limited to City National Securities, Inc., Royal Bank of Canada, RBC Wealth Management, and RBC Bank (Georgia).
#City National Bank does business in Miami and the state of Florida as CN Bank.
Non-Deposit Investment Products: • Are Not FDIC Insured • Are Not Bank Guaranteed • May Lose Value
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