Features & Benefits
With a tiered-rate Ladder Money Market account, the more money you deposit, the higher yield you can receive — and you can easily access your money when you need it.
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Personal Banking -
Bank Accounts -
Savings
Ladder Money Market Account
- Overview
- Interest Rates
- Frequently Asked Questions
- Documents & Resources
Ladder Money Market Interest Rates*
| BALANCE | ANNUAL PERCENTAGE YIELD (APY) | INTEREST RATE |
|---|---|---|
| Less than $10,000 | 0.50% | 0.50% |
| $10,000 to $24,999.99 | 0.50% | 0.50% |
| $25,000 to $49,999.99 | 0.50% | 0.50% |
| $50,000 to $99,999.99 | 0.50% | 0.50% |
| $100,000 to $249,999.99 | 0.50% | 0.50% |
| $250,000 to $499,999.99 | 0.50% | 0.50% |
| $500,000 to $999,999.99 | 0.50% | 0.50% |
| $1,000,000 to $2,499,999.99 | 1.00% | 1.00% |
| $2,500,000 to $4,999,999.99 | 1.00% | 1.00% |
| $5,000,000 to $9,999,999.99 | 1.00% | 1.00% |
| $10,000,000 and over | 1.00% | 1.00% |
FAQs
Additional Account Information
$10,000
$25
if balance requirements are not met¹
$10,000
minimum daily balance¹
Your Personal Ladder 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
Click here to read the agreements, fees and disclosures.
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Looking for other savings options?
Choose the account that's right for you.
Get a higher rate of return on your savings balance with an interest-bearing money market account.
- Tiered interest rates
- Waive $20 monthly maintenance fee with a minimum daily balance of $2,500¹
- Unlimited transactions
Keep your money safe with an interest-bearing personal savings account.
- Earn interest on all balances
- Make deposits, withdrawals and transfers
- Waive $5 monthly maintenance fee with an average daily balance of $100¹
Select from a variety of terms and corresponding interest rates to meet your ever-changing needs.
- Flexible terms from seven days up to five years
- Competitive interest rates
- Convenient automatic renewal
* The interest rate and associated Annual Percentage Yield ("APY") are accurate as of
07/02/2025
, 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.
1. 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.
#City National Bank does business in Miami and the state of Florida as CN Bank.
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