Personal CDsFeatures & Benefits
You have unique savings goals and time horizons.
Select from a variety of terms and corresponding interest rates to meet your ever-changing needs.
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Personal Banking -
Bank Accounts
Certificates of Deposit
- Overview
- Rates
- Frequently Asked Questions
- Documents & Resources
CD Rates1
| TERM | ANNUAL PERCENTAGE YIELD (APY) | INTEREST RATE |
|---|---|---|
| 5-Month Liquid CD | 0.50% | 0.50% |
| 11-Month CD | 4.07% | 4.00% |
| 7 days | 0.05% | 0.05% |
| 32 days | 0.05% | 0.05% |
| 60 days | 0.05% | 0.05% |
| 90 days | 0.45% | 0.45% |
| 180 days | 0.45% | 0.45% |
| 270 days | 0.45% | 0.45% |
| 12 months | 0.50% | 0.50% |
| 24 months | 0.50% | 0.50% |
| 36 months | 0.60% | 0.60% |
| 48 months | 0.70% | 0.70% |
| 60 months | 0.80% | 0.80% |
FAQs
Additional Account Information
| TERM | MINIMUM OPENING DEPOSIT |
|---|---|
| 5-Month Liquid CD | $10,000 |
| 11-Month CD* | $10,000 |
| 7 days | $10,000 |
| 32 days | $10,000 |
| 60 days | $10,000 |
| 90 days | $10,000 |
| 180 days | $10,000 |
| 270 days | $10,000 |
| 12 months | $2,500 |
| 24 months | $2,500 |
| 36 months | $2,500 |
| 48 months | $2,500 |
| 60 months | $2,500 |
- For CDs with a term of seven (7) to 31 days, the penalty is the greater of: (a) seven (7) days’ interest; (b) all interest earned since the most recent issue or renewal date; or (c) all interest which could have been earned during one-half of the maturity period.
- For CDs with a term of 32 to 179 days, the penalty is 30 days’ interest.
- For CDs with a term of 180 days to one (1) year, the penalty is 90 days’ interest.
- For CDs with a term of over one (1) year, the penalty is 180 days’ interest.
Account holders enjoy free online and mobile banking through City National Online® and the City National Bank App™.§
- CA, FL#, NV, MN, DC & VA: 122016066
- GA & TN: 064009445
- NY: 026013958
City National Bank’s SWIFT Code is: CINAUS6L
Click here to read the agreements, fees and disclosures.
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*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.
§
City National Bank App requires that you download the City National Bank App and is only available for select mobile devices. Requires setup in City National Online®. Message and data rates may apply.
1. The interest rate and associated Annual Percentage Yield ("APY") are accurate as of
01/03/2023
, 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.
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