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Fixed Rate CDs and IRAs

Annual Percentage Yield (APY) is accurate as of March 28, 2018
Does not apply to CDs opened prior to 06/01/07
Tier Balance* Days Terms (Months)
  182 - 364 12 - 23 24 - 35 36 - 47 48 - 59 60  
$2,500 -
$9,999.99
0.40%
0.40%
0.45%
0.45%
0.53%
0.53%
0.63%
0.63%
0.74%
0.74%
0.84%
0.84%
Rate
APY**
$10,000 -
$24,999.99
0.40%
0.40%
0.45%
0.45%
0.53%
0.53%
0.68%
0.68%
0.87%
0.87%
1.01%
1.02%
Rate
APY**
$25,000 -
$99,999.99
0.50%
0.50%
0.51%
0.51%
0.76%
0.76%
0.91%
0.91%
1.05%
1.06%
1.14%
1.15%
Rate
APY**
$100,000 + 0.62%
0.62%
0.63%
0.63%
0.88%
0.88%
1.03%
1.04%
1.15%
1.16%
1.25%
1.26%
Rate
APY**


* Minimum Balance and Minimum Term to earn Annual Percentage Yield (APY)
** Annual Percentage Yield (APY)

Regular Savings

  • Interest Rate 0.10%
  • Annual Percentage Yield (APY) 0.10%
  • Minimum balance to earn APY $100.00

Christmas Club

  • Interest Rate 0.10%
  • Annual Percentage Yield (APY) 0.10%
  • Minimum balance to earn APY $1.00

Youth CD (24 Mo. Term)

  • Interest Rate 0.53%
  • Annual Percentage Yield (APY) 0.53%
  • Minimum balance to earn APY $100.00 and it can be added to in $25.00 increments.

CD/IRA Relationship Specials

Annual Percentage Yield (APY) is accurate as of April 13, 2018
    Rate                   APY
18 Months Special*
Premium**
1.25%               1.26%
1.50%               1.51%
60 Months
 
Special*
Premium**
1.75%               1.77%
2.00%               2.02%

 

Terms
Customer must have other accounts with CNB, not just CDs.

Fixed rate special
* $10,000 minimum balance to earn Special Annual Percentage Yield (APY)
** $10,000 of new funds to CNB to earn Premium Annual Percentage Yield (APY)

Automically Renewable to applicable tier
Can be opened as an IRA
This CD/IRA is auto-renewable, paperless (statement only) and interest will be credited monthly to a deposit account or the CD (no checks).

Early withdrawal penalties apply as follows:
18 Month Special - 12 months interest
60 Month Special - 18 months interest
Fees may reduce earnings on the account.

                                                                                                                                                                               
Please contact one of our customer service representatives for more information concerning terms & conditions. Fees may reduce earnings on the account. All rates subject to change without notice. A penalty may be imposed for early withdrawal of funds.

Derby 334-7915, Barre 476-6565, Barton 525-3524, Derby Line 873-3101, Enosburg Falls 933-8500. Island Pond 723-4356, Lyndonville 626-1200, Montpelier 223-0598, Morrisville 888-4633, Newport 334-7915, St. Johnsbury 748-3605 and Troy 744-2287.