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.

Scheduled Transfers

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

Ladder Money Market Interest Rates*


Less than $10,000 0.85% 0.85%
$10,000 to $24,999.99 0.85% 0.85%
$25,000 to $49,999.99 0.85% 0.85%
$50,000 to $99,999.99 0.85% 0.85%
$100,000 to $249,999.99 0.85% 0.85%
$250,000 to $499,999.99 0.85% 0.85%
$500,000 to $999,999.99 0.85% 0.85%
$1,000,000 and over 1.36% 1.35%


Money market accounts are deposit accounts that are safe, secure and work similarly to a savings and checking account. Typically, your money will earn more interest in a money market account than a savings or checking account.


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


Higher interest rates help you to earn more when you save more. 

A Personal Ladder Money Market account requires a higher minimum balance than a Personal Savings account to open. 

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

  • 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 


, 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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