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Citizens National Bank Cameron, TX Rates and Review February 2026

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Citizens National Bank Cameron, TX's Special Certificates of Deposit (CDs) 7-Month rates are at 3.70%, Special Certificates of Deposit (CDs) 13-Month rates are at 3.55%, 1 year Certificate of Deposit rates are at 1.40%, Certificates of Deposit (CDs) 1 year rates are at 1.40%, Certificates of Deposit (CDs) 18-Month rates are at 1.40%. Citizens National Bank Cameron, TX's savings rates are at 0.40%. Citizens National Bank Cameron, TX's money market rates are at 0.55%.

Citizens National Bank Cameron, TX

Rate Updates and Availability

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

Citizens National Bank Cameron, TX Texas Ratio

Citizens National Bank Cameron, TX's Texas Ratio is at 1.72%, which is considered excellent. The Texas Ratio for Citizens National Bank Cameron, TX is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

MonitorBankRates Rating

5.0
Excellent
Out of 5.0 Stars

Citizens National Bank Cameron, TX has earned a Smart Rating of 5.0 out of 5 stars. 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.

Overall, Citizens National Bank Cameron, TX is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars.

Current Interest Rates

Rate
APY/APR
vs. Avg
12-Month CD
1.40%
18-Month CD
1.40%
24-Month CD
1.40%
36-Month CD
1.40%
48-Month CD
N/A
60-Month CD
N/A
Savings
0.40%
MMA
0.55%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A

"N/A" indicates the product is not offered or the rate is unavailable.

Citizens National Bank Cameron, TX
118 S Houston Ave
Cameron, TX 76520
Member FDIC
MonitorBankRates
Official Financial Rating
5.0
★★★★★
EXCELLENT
🏆

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Citizens National Bank Cameron, TX CD Rates

Product Rate APY Term View More
Special Certificates of Deposit (CDs) 7 month 3.67% 3.70% 7 Months
Min Deposit$1,000
Last Updated 02/13/2026
Special Certificates of Deposit (CDs) 13 month 3.50% 3.55% 13 Months
Min Deposit$1,000
Last Updated 02/13/2026
1 year Certificate of Deposit 1.39% 1.40% 1 year
Min Deposit$500
Last Updated 02/13/2026
Certificates of Deposit (CDs) 1 year 1.39% 1.40% 1 year
Min Deposit$500
Last Updated 02/13/2026
Certificates of Deposit (CDs) 18 month 1.39% 1.40% 18 Months
Min Deposit$500
Last Updated 02/13/2026
Certificates of Deposit (CDs) 2 years 1.39% 1.40% 2 years
Min Deposit$500
Last Updated 02/13/2026
Certificates of Deposit (CDs) 3 years 1.39% 1.40% 3 years
Min Deposit$500
Last Updated 02/13/2026
6 month Certificate of Deposit 1.00% 1.00% 6 Months
Min Deposit$1,000
Last Updated 02/13/2026
Certificates of Deposit (CDs) 6 month 1.00% 1.00% 6 Months
Min Deposit$1,000
Last Updated 02/13/2026

Citizens National Bank Cameron, TX Savings Rates

Product Rate APY View More
Advantage Plus Savings 3.45% 3.50%
Min Deposit$500,000
DetailsBalance: $500,000.01 to $2,000,000.00
Last Updated 02/13/2026
Advantage Plus Savings Account 3.45% 3.50%
Min Deposit$500,000
DetailsBalance: $500,000.01 to $2,000,000.00
Last Updated 02/13/2026
Advantage Plus Savings 2.96% 3.00%
Min Deposit$150,000
DetailsBalance: $150,000.01 to $500,000.00
Last Updated 02/13/2026
Advantage Plus Savings Account 2.96% 3.00%
Min Deposit$150,000
DetailsBalance: $150,000.01 to $500,000.00
Last Updated 02/13/2026
Advantage Plus Savings 1.98% 2.00%
Min Deposit$0
DetailsBalance: $0.01 to $150,000.00
Last Updated 02/13/2026
Advantage Plus Savings Account 1.98% 2.00%
Min Deposit$0
DetailsBalance: $0.01 to $150,000.00
Last Updated 02/13/2026
Savings Account 0.40% 0.40%
Min Deposit$0
DetailsCitizens National Bank Cameron, TX
Last Updated 02/13/2026

Citizens National Bank Cameron, TX Money Market Rates

Product Rate APY View More
Premier Money Market Account 1.49% 1.50%
Min Balance$150,000
DetailsBalances from $150,000.00 to $999,999.99
Last Updated 02/13/2026
Premier Money Market Account 0.75% 0.75%
Min Balance$25,000
DetailsBalances from $25,000.00 to $74,999.99
Last Updated 02/13/2026
Premier Money Market Account 0.55% 0.55%
Min Balance$0
DetailsBalances less than $24,999.99
Last Updated 02/13/2026

Citizens National Bank Cameron, TX Checking Rates

Product Rate APY View More
Business Advantage Plus Checking 2.96% 3.00%
Min Deposit$2,500
Min Balance$2,500
DetailsBalance: $2,500.01 to $15,000.00
Last Updated 02/13/2026
Personal Advantage Plus Checking 2.96% 3.00%
Min Balance$0
DetailsBalance: $0 to $15,000.00
Last Updated 02/13/2026
Business Advantage Plus Checking 1.00% 1.00%
Min Deposit$15,000
Min Balance$15,000
DetailsBalance: $15,000.01 to $200,000.00
Last Updated 02/13/2026
Personal Advantage Plus Checking 0.53% 0.53%
Min Balance$150,000
DetailsBalance: $150,000.01+
Last Updated 02/13/2026
Personal Advantage Plus Checking 0.35% 0.35%
Min Balance$15,000
DetailsBalance: $15,000.01 to $150,00.00
Last Updated 02/13/2026

Methodology & Data Sources

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

Bank Profile & Overview

Citizens National Bank Cameron, TX
118 S Houston Ave
Cameron, TX 76520
Milam
Established Date: 07/01/1900
FDIC Certificate #: 3127
Date of FDIC Deposit Insurance: 01/01/1934
Bank Holding Company: CENTRAL TEXAS FINANCIAL CORP
How Many Domestic U.S. Offices? 12
How Many Branches are There? 12
Is Citizens National Bank Cameron, TX FDIC Insured? Yes
What is Citizens National Bank Cameron, TX's Cert number? 3127
What is the maximum amount for insured deposits? $250,000 per holder, per account

Financial Health & Assets

Total Assets:
$611,284,000
Total Deposits:
$545,457,000
Equity Capital:
$63,111,000
Net Income:
$1,580,000
Return on Assets (ROA):
0.8218%
Return on Equity (ROE):
8.8600%
Headquarters:
Cameron
Regulator:
OCC
# of Offices:
12
Source: FDIC | Last Updated 03/31/2024

Customer Reviews

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Frequently Asked Questions About Citizens National Bank Cameron, TX

How do I open an account at Citizens National Bank Cameron, TX?

You can typically open an account at Citizens National Bank Cameron, TX by visiting a local branch or applying through their official website.

Is there a first-time homebuyer program?

Currently, Citizens National Bank Cameron, TX provides a range of mortgage and home equity products.

Is Citizens National Bank Cameron, TX a safe place to deposit money?

Yes, Citizens National Bank Cameron, TX is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor.

Does Citizens National Bank Cameron, TX offer online and mobile banking?

Most modern institutions like Citizens National Bank Cameron, TX provide digital access including online balance checks and transfers.

Current Citizens National Bank Cameron, TX Rates

ProductAPY
12-Month CD1.40%
18-Month CD1.40%
24-Month CD1.40%
36-Month CD1.40%
Savings0.40%
MMA0.55%

Rates subject to change.