City National Bank CD Rates — October 2026

Also known as CNB, City National.

As of October 22, 2026, City National Bank's highest CD rate is 4.39% APY on a 12-month promotional CD ($2,500 minimum). That is 2.5 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 0.05% to 3.30% APY.

Last verified October 22, 2026 from www.cnb.com · FDIC-insured bank · Los Angeles, CA

Tracking began October 22, 2026.

Best APY4.39%12 months, $2,500 min

vs. Treasury−0.18%same-term Treasury 4.57%

vs. national average2.5×FDIC national average 1.76%

After inflation0.65%CPI 3.7% year over year

$10,000 earns$439over 12 months, before tax

City National Bank CD rates

City National Bank CD rates
Term	Product	Minimum	APY	vs. Treasury
7 days	CD	$10,000	0.05%Verified October 22, 2026	−4.08%
1 month	CD	$10,000	0.05%Verified October 22, 2026	−4.08%
2 months	CD	$10,000	0.05%Verified October 22, 2026	−4.15%
3 months	CD	$10,000	2.78%Verified October 22, 2026	−1.52%
5 months	CD	$10,000	3.09%Verified October 22, 2026	−1.30%
6 months	Special 6-Month Fixed Rate CD Promotional	$10,000	4.23%Verified October 22, 2026	−0.17%
6 months	CD	$10,000	2.84%Verified October 22, 2026	−1.56%
9 months	CD	$10,000	3.30%Verified October 22, 2026	−1.18%
11 months	CD	$10,000	3.30%Verified October 22, 2026	−1.24%
12 months	Special 12-Month Fixed Rate CD Promotional	$2,500	4.39%Verified October 22, 2026	−0.18%
12 months	CD	$2,500	2.02%Verified October 22, 2026	−2.55%
24 months	CD	$2,500	1.76%Verified October 22, 2026	−3.11%
36 months	CD	$2,500	1.56%Verified October 22, 2026	−3.39%
48 months	CD	$2,500	1.41%Verified October 22, 2026	−3.57%
60 months	CD	$2,500	1.31%Verified October 22, 2026	−3.70%

APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.

Watch the renewal rate

The best promotional rate here is 4.39% APY (12 months). The standard rate for a similar term is 2.02% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $237 less per year. Check the account terms and set a reminder before maturity.

Calculate the cost of auto-renewal

What are City National Bank's best CD rates by term?

City National Bank's best rate is 4.39% APY on 12 months, verified October 22, 2026.

7 days0.05%
1 mo0.05%
2 mo0.05%
3 mo2.78%
5 mo3.09%
6 mo4.23%
9 mo3.30%
11 mo3.30%
12 mo4.39%
24 mo1.76%
36 mo1.56%
48 mo1.41%
60 mo1.31%

Calculate earnings at 4.39% for 12 months

How much interest could a City National Bank CD earn?

Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.

Estimated CD interest at maturity — conditional on quoted APY eligibility
Term	$5,000	$10,000	$25,000	$50,000
3 months	Not estimated	$68.602.78% APY · CD · Standard	$171.492.78% APY · CD · Standard	$342.992.78% APY · CD · Standard
6 months	Not estimated	$209.894.23% APY · Special 6-Month Fixed Rate CD · Promotional	$524.724.23% APY · Special 6-Month Fixed Rate CD · Promotional	$1,049.444.23% APY · Special 6-Month Fixed Rate CD · Promotional
9 months	Not estimated	$246.723.30% APY · CD · Standard	$616.803.30% APY · CD · Standard	$1,233.603.30% APY · CD · Standard
11 months	Not estimated	$302.473.30% APY · CD · Standard	$756.183.30% APY · CD · Standard	$1,512.353.30% APY · CD · Standard
12 months	$219.504.39% APY · Special 12-Month Fixed Rate CD · Promotional	$439.004.39% APY · Special 12-Month Fixed Rate CD · Promotional	$1,097.504.39% APY · Special 12-Month Fixed Rate CD · Promotional	$2,195.004.39% APY · Special 12-Month Fixed Rate CD · Promotional
24 months	$177.551.76% APY · CD · Standard	$355.101.76% APY · CD · Standard	$887.741.76% APY · CD · Standard	$1,775.491.76% APY · CD · Standard
60 months	$336.191.31% APY · CD · Standard	$672.391.31% APY · CD · Standard	$1,680.971.31% APY · CD · Standard	$3,361.941.31% APY · CD · Standard

How City National Bank compares

Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 365-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.

This quote ranks 8 of 64 tracked institutions with fresh 365-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.

City National Bank CD rate comparison
Institution / benchmark	Term	Minimum	Quote coverage	APY	Verified / source date
City National Bank (this institution)Special 12-Month Fixed Rate CD · Promotional	12 months	$2,500	Coverage: CA, DC, FL, GA, NV, NY, TN, VA	4.39%	October 22, 2026
Truliant Federal Credit Union (highest tracked APY for this term)Limited-Time 12 Month Term (new external funds required) · Promotional	12 months	$5,000	Coverage: NC, SC, VA	5.00%	October 22, 2026
Popular DirectCertificate of Deposit · Standard	12 months	$10,000	Nationwide; check eligibility	4.60%	October 22, 2026
E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional	12 months	Not stated	Nationwide; check eligibility	4.55%	October 22, 2026
Treasury (APY-equivalent)	12 months (term-matched estimate)	Depends on purchase method	Federal; interest exempt from state income tax	4.57%	2026-10-21

Rate changes

See changes across all tracked institutions

No changes since we started tracking City National Bank on October 22, 2026.

About City National Bank

Legal name: City National Bank
Regulator ID: FDIC 17281
Headquarters: Los Angeles, CA
Available in: CA, DC, FL, GA, NV, NY, TN, VA
Total assets: $99.1 billion
Also known as: CNB, City National
Website: www.cnb.com

Source: rates read from https://www.cnb.com/personal-banking/accounts/certificates-of-deposit.html. See the page text we read.

Frequently asked questions

What is the highest CD rate at City National Bank?

4.39% APY on a 12-month promotional CD, as of October 22, 2026.

What is the minimum deposit for a City National Bank CD?

The lowest minimum we found is $2,500; jumbo and higher balance tiers start at up to $10,000.

How does City National Bank's best CD rate compare with Treasury yields?

4.39% APY is −0.18% versus the 12-month Treasury yield of 4.57% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 4.39% a good CD rate?

It is 2.5 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.

Are City National Bank CDs insured?

City National Bank is an FDIC-insured bank (FDIC 17281). Deposits are insured up to $250,000 per depositor, per ownership category.

How often is this page updated?

We check City National Bank's rate page every day. The rates above were last verified on October 22, 2026.

More bank CD rates

Rates are copied from City National Bank's website and may change at any time. Confirm terms, minimums and eligibility with City National Bank before opening an account. This page is not financial advice.