Uses ongoing rates and assumes deposit qualifications are met. Promotional balance limits are respected. Assumes qualification, daily effective compounding and unchanged rates; before fees and taxes. Actual bank crediting can differ.
Promotions and qualifying rates
No current checked promotion or additional rate qualification appears in this account record. Confirm available offers and all requirements directly with the bank.
Key conditions and complete account terms
Rates can change. Confirm the current terms with the bank before opening an account. Last verified dates show when the approved rates were captured. Estimates require verification within the last 24 hours.
Minimum opening deposit
$100
Minimum balance to earn interest
$1
Eligibility
Online personal accounts require an external checking or savings account. CNB Bank Direct requires a valid U.S. driver license or state identification card and says passports and permanent resident cards are not accepted as identification. Other age/residency requirements are Undetermined.
Key conditions
Confirm any additional requirements with the bank.
CNB Bank Direct lists a $100 opening deposit, interest on balances of at least $1 and no monthly service fee. The modest ongoing earning floor can suit a fluctuating reserve. Check transfer limits and initial deposit availability before relying on the account for imminent expenses; the online brand and legal bank share deposit coverage.
By High Yield
Published
Opening and earning minimums differ
CNB Bank Direct lists a $100 opening deposit, interest on balances of at least $1 and no monthly service fee. The modest ongoing earning floor can suit a fluctuating reserve. Check transfer limits and initial deposit availability before relying on the account for imminent expenses; the online brand and legal bank share deposit coverage.
Baseline assessment and current terms
Evaluate this account at the balance you intend to keep and the withdrawal frequency you need. The current rates-and-terms reference distinguishes checked information from unresolved conditions. A larger advertised APY is not sufficient if qualification, fees or access make the account a poor fit.
This source-based baseline has not included a hands-on account test or established a representative customer-service rating. Publication of the review does not approve missing financial data. Rates are variable; follow the dated reference and official disclosures before opening.
Recorded rates describe what our sources showed, rather than a prediction. Reviewed reader experiences will be added when supported public evidence is available.
Observed rates
Last 90 days · Aug 16, 2026–Nov 14, 2026 · at $10,000.
Checked historical snapshots
21
First and last observations in this sample
Oct. 25, 2026, 9:02 am EDT–Nov. 13, 2026, 7:00 pm EST
Observed ongoing APY range at this balance
4.11%–4.11%
Supported increases / decreases
0 / 0
How to read this history
Changes count only between adjacent checked observations no more than 24 hours apart with comparable terms. Gaps, corrections and changed requirements interrupt comparisons. A zero count does not mean the rate stayed unchanged. The range describes recorded snapshots, whose terms may differ.
These are historical observations. The current review status, official sources and latest terms appear in the account reference. Promotions and qualifying APYs are excluded from this ongoing-rate history.
The Citizens National Bank of Bluffton is the legal institution behind this account (FDIC certificate 6531). Different brands or branches at the same institution do not create separate insurance limits. Coverage depends on ownership category and the insurer’s rules.
No other active accounts at this institution are currently listed in our curated catalog. This is not a complete inventory of its brands.
High Yield
Comments
View full discussion →