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Citizens National Bank of Meridian

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Citizens National Bank of Meridian Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Citizens National Bank of Meridian provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

Citizens National Bank of Meridian rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Citizens National Bank of Meridian, and you can see how they compare in the Citizens National Bank of Meridian rate tables below. MonitorBankRates evaluates the financial stability of Citizens National Bank of Meridian with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.46%. Database rates last updated and verified on 08/28/2026.

Citizens National Bank of Meridian money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Citizens National Bank of Meridian? Share your experience about Citizens National Bank of Meridian by leaving a review below, or read customer reviews before you decide to use Citizens National Bank of Meridian.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.46%

Excellent Lower than avg

The Citizens National Bank of Meridian

512 22nd Ave
Meridian, MS 39301

https://www.yourcnb.com

Citizens National Bank of Meridian Checking Rates

Product	Rate	APY	View More
High-Yield Checking	5.00%	5.00%
Min Deposit $500 Details Qualifications Required: Receive a monthly direct deposit of $100 or more or an ACH debit of $100 or more; A monthly e-statement; Make a minimum of 10 CNB Debit Card point-of-sale transactions; Earn 5.00% Variable Annual Percentage Yield (APY) on balances up to $15,000 and .05% APY on balances of $15,000 and over, if the following requirements are met: Receive a monthly direct deposit of $100 or more or an ACH debit of $100 or more A monthly e-statement Make a minimum of 10 CNB Debit Card point-of-sale transactions. ATM transactions are not included. Transactions must post and settle to your account during the monthly statement cycle. If the requirements are not met for the current statement cycle, the default interest rate of 0.01% APY will apply. APY is current as of December 9, 2025. Rates are set by CNB and are subject to change at any time. Interest accrues on collected balances and is paid monthly. If you close your account before interest is credited, you will not receive the accrued interest. Fees may reduce earnings. Available to individuals only. Limited to one account per Social Security Number. Automatic refunds up to $25 per month for other banks' ATM fees. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.46%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Citizens National Bank of Meridian is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Citizens National Bank of Meridian rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Citizens National Bank of Meridian's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Citizens National Bank of Meridian

Bank Holding Company CITIZENS NATIONAL BANC CORP

Address 512 22nd Ave, Meridian, MS 39301 · Lauderdale

Website https://www.yourcnb.com

FDIC Certificate # 4993

Established 01/01/1888

FDIC Insurance Date 01/01/1934

Domestic Offices 29

Total Branches 29

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

4.46%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.6084%

Return on Equity (ROE) 18.3800%

Non-Performing Loans (NPL) 0.29%

Total Assets $1,794,596,000

Total Deposits $1,504,805,000

Equity Capital $185,014,000

Net Income $28,291,000

Headquarters Meridian

Total Branches and Offices 29

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About Citizens National Bank of Meridian

How many branches does Citizens National Bank of Meridian operate?

Citizens National Bank of Meridian currently maintains approximately 29 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Citizens National Bank of Meridian does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Citizens National Bank of Meridian provides members with tools to manage their accounts and build a solid financial history.

Does Citizens National Bank of Meridian offer online and mobile banking?

Most modern institutions like Citizens National Bank of Meridian provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.yourcnb.com.