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Certificate of Deposit (CD) Accounts

You have unique savings goals and time horizons. Select from a variety of terms and corresponding interest rates to meet your ever-changing needs. 

Features & Benefits

Flexible Terms

Choose how long you want to invest your money with flexible terms from seven days up to five years. 


Competitive Interest Rates

Receive a higher interest rate on CDs with longer terms and higher balances.


Convenient Automatic Renewal

CDs will automatically renew for the same period selected, with a grace period of up to 10 days.


Money Is Safe & Secure

Funds are insured up to the maximum amount allowed by the FDIC.


Get more from your savings.

Planning for retirement?

An IRA CD can be a great place for retirement savings. Your funds will be insured and your CD will automatically renew upon maturity. Speak to a local Relationship Manager to open an IRA CD. 

Additional Account Information

  • 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™.2

  • 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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Manage all of your accounts, deposit checks, pay bills and people, and transact business — all from your secured device.


Certificate of Deposit accounts are FDIC-insured, low-risk savings accounts, which earn interest at a higher rate than standard personal savings accounts. In return for the higher interest rate, you agree to keep your money in the bank for a set period of time.

CDs are payable at the expiration of a specified term, no less than seven calendar days after the date of deposit.

No deposits to or withdrawals of principal from the CD may be made prior to maturity, unless otherwise specified in writing.

We may permit the withdrawal of funds held in a CD before maturity, but we are not required to do so. If we permit the withdrawal of such funds, we may assess an early withdrawal penalty, which will be equal to or more than the minimum early withdrawal penalty required by law, if any.

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 posted 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.

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The interest rate and associated Annual Percentage Yield ("APY") are accurate as of 


, are established by City National Bank and may vary as often as daily. Interest accrues and compounds daily and is credited on the last day of the statement period, but no more frequently than monthly. APY assumes no withdrawal of credited interest and no change in interest rate for a full year. Service fees may reduce account earnings.


City National Bank does business in Miami and the state of Florida as CN Bank.

5-month liquid, 11-month, and 7-day CD terms are not available to be opened online. Please contact your nearest City National Bank branch or your Relationship Manager to open this CD.


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.