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. 

Higher Interest Rates

Your Money Market account comes with tiered interest rates, so the higher your balance, the more interest you can earn.

Easy Access to Funds

Access your money with unlimited withdrawals or transfers.

Online & Mobile Banking

Manage your accounts online and through the City National Bank App.§


Scheduled Transfers

Set up automatic transfers from your City National Bank checking account.

Ladder Money Market Interest Rates*


Less than $10,000 0.15% 0.15%
$10,000 to $24,999.99 0.15% 0.15%
$25,000 to $49,999.99 0.15% 0.15%
$50,000 to $99,999.99 0.20% 0.20%
$100,000 to $249,999.99 0.20% 0.20%
$250,000 to $499,999.99 0.20% 0.20%
$500,000 to $999,999.99 0.25% 0.25%
$1,000,000 and over 0.25% 0.25%

Additional Account Information



if balance requirements are not met¹



minimum daily balance¹

Your Personal Ladder Money Market account can be set up to provide overdraft protection for any City National Bank checking account

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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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. 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.

#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.


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.