What are the current interest rates at Center National Bank?

Current rates for Center National Bank include: 12-Month CD: 2.99%, 18-Month CD: 1.25%, 24-Month CD: 1.25%, 36-Month CD: 1.25%, 48-Month CD: 1.25%, 60-Month CD: 1.25%, Savings: 2.40%, MMA: 0.25%

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Center National Bank

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Center National Bank Rates & Review October 2026

Q: How many branches does Center National Bank operate?

Center National Bank currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Center National Bank 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Center National Bank 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: October 7, 2026

Center National Bank's top rates as of October 7, 2026 are 3.24% APY on its 6-Months 6-Month Certificate, 2.40% APY on savings, 0.25% APY on money market accounts, and 4.00% APY on checking, according to rates verified by MonitorBankRates. Other Center National Bank CD rates include 12-Months 12-Month Certificate at 2.99%, 18-Months 18-Month Certificate at 1.25%, and 24-Months 24-Month Certificate at 1.25%. MonitorBankRates evaluates the financial stability of Center National Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.03%. Rates last updated and verified on 10/07/2026.

Center National Bank 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 Center National Bank? Share your experience about Center National Bank by leaving a review below, or read customer reviews before you decide to use Center National Bank.

Ranked #24 Healthiest Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.03%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Center National Bank

301 N Ramsey Ave
Litchfield, MN 55355

https://www.centernationalbank.com

Customer Reviews

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Center National Bank CD Rates

Product	Rate	APY	Term
6 Month Certificate	3.20%	3.24%	6 months
Min Deposit $500 Min Balance $500 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 3.24% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
12 Month Certificate	2.98%	2.99%	12 months
Min Deposit $500 Min Balance $500 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 2.99% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
18 Month Certificate	1.25%	1.25%	18 months
Min Deposit $500 Min Balance $500 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
24 Month Certificate	1.25%	1.25%	24 months
Min Deposit $500 Min Balance $500 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
36 Month Certificate	1.25%	1.25%	36 months
Min Deposit $500 Min Balance $500 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
48 Month Certificate	1.25%	1.25%	48 months
Min Deposit $500 Min Balance $500 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
60 Month Certificate	1.25%	1.25%	60 months
Min Deposit $500 Min Balance $500 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%

Center National Bank Savings Rates

Product	Rate	APY
MONEY MARKET DIAMOND SAVINGS	2.37%	2.40%
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 2.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
MONEY MARKET PLATINUM SAVINGS	1.73%	1.74%
Min Balance $100,000 Details Balance: $100,000.00 or more Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 1.74% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
MONEY MARKET PLATINUM SAVINGS	0.75%	0.75%
Min Balance $50,000 Details Balance: $50,000 - 99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
MONEY MARKET PLATINUM SAVINGS	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
MONEY MARKET PLATINUM SAVINGS	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Money Market Savings	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000+ Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
MONEY MARKET PLATINUM SAVINGS	0.15%	0.15%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Money Market Savings	0.15%	0.15%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Center Savings	0.10%	0.10%
Min Balance $50 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
MONEY MARKET PLATINUM SAVINGS	0.10%	0.10%
Min Balance $0 Details Balance: $0 - $2,499.99 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Money Market Savings	0.10%	0.10%
Min Balance $0 Details Balance: $0 - $2,499.99 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%

Center National Bank Money Market Rates

Product	Rate	APY
MONEY MARKET DIAMOND SAVINGS	2.37%	2.40%
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 2.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
MONEY MARKET PLATINUM SAVINGS	1.73%	1.74%
Min Balance $100,000 Details Balance: $100,000.00 or more Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 1.74% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
MONEY MARKET PLATINUM SAVINGS	0.75%	0.75%
Min Balance $50,000 Details Balance: $50,000 - 99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Money Market Gold	0.25%	0.25%
Min Balance $25,000 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
MONEY MARKET PLATINUM SAVINGS	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
MONEY MARKET PLATINUM SAVINGS	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Money Market Savings	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000+ Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
MONEY MARKET PLATINUM SAVINGS	0.15%	0.15%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Money Market Savings	0.15%	0.15%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
MONEY MARKET PLATINUM SAVINGS	0.10%	0.10%
Min Balance $0 Details Balance: $0 - $2,499.99 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Money Market Savings	0.10%	0.10%
Min Balance $0 Details Balance: $0 - $2,499.99 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%

Center National Bank Checking Rates

Product	Rate	APY
CENTER REWARDS CHECKING ACCOUNT	3.93%	4.00%
Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0 - $15,000 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
CENTER REWARDS CHECKING ACCOUNT	-	4.00%
Min Balance $0 Details Qualifications Required; APY accurate as of 2/1/2026. 0.20% APY applies to balances over $15,000 if qualifications are met during the monthly qualification cycle. 0.05% APY* applies to all balances if monthly qualifications are not met. All balances will earn 4.00% APY to 0.20% APY if monthly qualifications are met. Rates may change after the account is opened. Fees may reduce earnings. Qualifying transactions must post and clear to the account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra-bank transfers do not count as qualifying transactions. Up to $25 ATM fee refunds per monthly qualification cycle only if qualifications are met within the monthly qualification cycle. Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
CENTER REWARDS CHECKING ACCOUNT	0.20%	0.20%
Min Balance $15,000 Details Balance: $15,000+ Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
CENTER REWARDS CHECKING ACCOUNT	0.05%	0.05%
Details All balances if qualifications not met Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Interest Checking	0.05%	0.05%
Min Balance $500 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%

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.

Financial Health History

Center National Bank’s Texas Ratio stayed near 0.10% in Q3 2023 to 0.03% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$243M	0.03%	5.0	A+
March 31, 2026	$233M	0.00%	5.0	A+
December 31, 2025	$233M	0.00%	5.0	A+
September 30, 2025	$237M	0.00%	5.0	A+
June 30, 2025	$239M	0.01%	5.0	A+
March 31, 2025	$246M	0.00%	5.0	A+
December 31, 2024	$240M	0.00%	5.0	A+
September 30, 2024	$245M	0.00%	5.0	A+
June 30, 2024	$236M	0.06%	5.0	A+
March 31, 2024	$237M	0.06%	5.0	A+
December 31, 2023	$252M	0.06%	5.0	A+
September 30, 2023	$248M	0.10%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Center National Bank 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 Center National Bank 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 Center National Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Center National Bank

Bank Holding Company CNB FINANCIAL CORP

Address 301 N Ramsey Ave, Litchfield, MN 55355 · Meeker

Website https://www.centernationalbank.com

FDIC Certificate # 10976

Established 18910101

FDIC Insurance Date 19340101

Domestic Offices 3

Total Branches 3

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.03%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.4086%

Return on Equity (ROE) 14.0000%

Non-Performing Loans (NPL) 0.00%

Total Assets $242,596,000

Total Deposits $215,511,000

Equity Capital $23,775,000

Net Income $1,662,000

Headquarters Litchfield

Total Branches and Offices 3

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Center National Bank earned the Top 100 Healthiest badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-s-2026-q2.svg"
       alt="Ranked #24 in MonitorBankRates Top 100 Healthiest Small Banks Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page, or view the full Top 100 Healthiest Small Banks Q2 2026 ranking.

Customer Reviews

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Frequently Asked Questions About Center National Bank

How many branches does Center National Bank operate?

Center National Bank currently maintains approximately 3 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, Center National Bank 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, Center National Bank provides members with tools to manage their accounts and build a solid financial history.

Does Center National Bank offer online and mobile banking?

Most modern institutions like Center National Bank 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.centernationalbank.com.