The Citizens National Bank CD early withdrawal penalty

The Citizens National Bank
CD early withdrawal penalty

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Published terms reviewed; calculation inputs still required

We have reviewed the published terms below. They do not establish every detail needed for a bank-specific dollar calculation, so the estimator requires your own agreement inputs. We do not fill those gaps with assumptions.

Certificates of Deposit

The Citizens National Bank in Kansas lists 90 days of interest on the amount withdrawn for a CD term shorter than 365 days, and 180 days of interest on the amount withdrawn for a term longer than 365 days. It also lists a grace period of 10 calendar days after maturity.

The source uses strict less-than and greater-than signs and leaves a term of exactly 365 days unassigned. Do not assume a tier for that boundary. This summary is limited to the CD table and does not repeat the page’s separate IRA tax information or treat its daily-balance description as a specified annual day-count divisor.

TFS assisted source review: Aug 31, 2026 · Last source check: Aug 31, 2026 · Official source

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These are your inputs, not verified The Citizens National Bank terms. This manual model supports simple days/months of interest or all interest earned. Percentage fees, tiered formulas, special minimums, and exceptions need an institution quote.

Penalty formulaPenalty daysInterest year basisCan the penalty reduce principal?

CD principal ($)Contractual annual interest rate (%)Use the interest rate on your CD agreement, not the advertised APY.Interest still on deposit and payable ($)Exclude interest already paid out. Use your institution’s current figure.

Compare holding this CD with reinvesting the proceeds until the same maturity date.I checked that these terms apply to my product, original term, and deposit date. This is a full withdrawal before maturity, outside any special withdrawal window. Any early-holding-period minimum has been accounted for.

Located source pages

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