What are the current interest rates at City National Bank of Florida?

Current rates for City National Bank of Florida include: 12-Month CD: 4.45%, 24-Month CD: 4.50%, 36-Month CD: 4.50%, 60-Month CD: 4.50%, MMA: 4.17%

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City National Bank of Florida

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City National Bank of Florida Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, City National Bank of Florida 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

City National Bank of Florida's top rates as of October 7, 2026 are 4.50% APY on its 24-month online CD, and 4.17% APY on money market accounts, according to rates verified by MonitorBankRates. Other City National Bank of Florida CD rates include 36-month online CD at 4.50%, 60-month online CD at 4.50%, and 12-Month 12-month online CD at 4.45%. MonitorBankRates evaluates the financial stability of City National Bank of Florida with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.12%. Rates last updated and verified on 10/07/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.12%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

City National Bank of Florida

25 W Flagler St
Miami, FL 33130

https://www.totaldirectbank.com

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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.

City National Bank of Florida CD Rates

Product	Rate	APY	Term
24-month online CD	4.40%	4.50%	24-month
Min Deposit $25,000 Details Online-only high-yield rates. Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 4.50% ▲ 0.75 pts · high 4.50% / low 3.75% Oct 2, 20264.50%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
36-month online CD	4.40%	4.50%	36-month
Min Deposit $25,000 Details Online-only high-yield rates. Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 3.76% → 4.50% ▲ 0.74 pts · high 4.50% / low 3.76% Oct 2, 20264.50%▲ from 3.76% Sep 18, 20263.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
60-month online CD	4.40%	4.50%	60-month
Min Deposit $25,000 Details Online-only high-yield rates. Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 3.76% → 4.50% ▲ 0.74 pts · high 4.50% / low 3.76% Oct 2, 20264.50%▲ from 3.76% Sep 18, 20263.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
12-month online CD	4.35%	4.45%	12 month
Min Deposit $25,000 Details Online-only high-yield rates. Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 4.00% → 4.45% ▲ 0.45 pts · high 4.45% / low 4.00% Oct 2, 20264.45%▲ from 4.00% Sep 18, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
6-month online CD	4.16%	4.25%	6-month
Min Deposit $25,000 Details Online-only high-yield rates. Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00% Oct 2, 20264.25%▲ from 4.00% Sep 18, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
3-month online CD	3.92%	4.00%	3-month
Min Deposit $25,000 Details Available for current 3-Month CD clients only. Online-only high-yield rates. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%

City National Bank of Florida Money Market Rates

Product	Rate	APY	View More
Online Money Market Deposit Account	-	4.17%
Min Deposit $25,000 Min Balance $2,500 Details Balances of $2,500 - $249,999.99; Balances of $250,000 or more. Rates subject to change without notice. For variable-rate accounts, the interest rate is subject to change after the account is opened. Fees may reduce account earnings. A valid email address and Online Banking enrollment are required to open and maintain an account. No transactions allowed by debit card or by check. Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 4.01% → 4.17% ▲ 0.16 pts · high 4.17% / low 4.01% Oct 2, 20264.17%▲ from 4.01% Sep 18, 20264.01%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%

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

City National Bank of Florida’s Texas Ratio rose from 6.04% in Q3 2023 to 7.12% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$29.1B	7.12%	5.0	A
March 31, 2026	$28.6B	7.59%	5.0	A
December 31, 2025	$28.0B	6.87%	5.0	A
September 30, 2025	$27.8B	7.94%	5.0	A
June 30, 2025	$27.1B	5.25%	5.0	A+
March 31, 2025	$27.2B	5.38%	5.0	A+
December 31, 2024	$26.5B	5.77%	5.0	A+
September 30, 2024	$26.2B	5.16%	5.0	A+
June 30, 2024	$26.2B	4.93%	5.0	A+
March 31, 2024	$26.1B	4.89%	5.0	A+
December 31, 2023	$26.1B	3.42%	5.0	A+
September 30, 2023	$26.0B	6.04%	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 City National Bank of Florida 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 City National Bank of Florida 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 City National Bank of Florida's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name City National Bank of Florida

Bank Holding Company EMPRESAS JUAN YARUR SPA

Address 25 W Flagler St, Miami, FL 33130 · Miami-Dade

Website https://www.totaldirectbank.com

FDIC Certificate # 20234

Established 19700812

FDIC Insurance Date 19700812

Domestic Offices 30

Total Branches 30

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 96/100

5.0

Exceptional Out of 5.0 Stars

7.12%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.2418%

Return on Equity (ROE) 11.8600%

Non-Performing Loans (NPL) 0.57%

Total Assets $29,112,337,000

Total Deposits $22,105,271,000

Equity Capital $3,086,294,000

Net Income $177,550,000

Headquarters Miami

Total Branches and Offices 30

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

City National Bank of Florida earned the Verified Healthy 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.

<a href="https://monitorbankrates.com/banks/total-direct-bank-cd-rates">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About City National Bank of Florida

How many branches does City National Bank of Florida operate?

City National Bank of Florida currently maintains approximately 30 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, City National Bank of Florida 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, City National Bank of Florida provides members with tools to manage their accounts and build a solid financial history.

Does City National Bank of Florida offer online and mobile banking?

Most modern institutions like City National Bank of Florida 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.totaldirectbank.com.