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  • Private Reserve Line

    Private Reserve Line

    Get a pre-approved credit line to avoid costly overdraft protection fees. You can also use the funds for any purpose, and only pay interest on what is used.

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  • Home Equity Loan / Home Improvement Loan

    Home Equity Loan / Home Improvement Loan

    Whether it's lavish dreams or practical needs, utilize your home equity for a low-rate loan. Funds can be used for any purpose, and interest is typically tax deductible.*

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Certificates of Deposit (CDs)

Certificates of Deposit (CDs)

There are few guarantees in investing, which is why risk-free Personal CDs are so attractive. Earn competitive rates that are guaranteed for the life of the term.

You can even open a CD that has a conscience. We use our Social CD deposits to fund projects in our local communities to improve quality of life in urban areas in New Jersey in New York. So you win, and our communities win with you.

Personal CD
  • Competitive CD interest rates
  • Retain federal insurance on investment
  • Rates fixed and guaranteed for length of term
  • Terms from 3 months to 5 years
  • Penalty on interest earnings for early withdrawal
  • Interest accrued and credited daily
  • $500 minimum deposit to open

View our current rates.

Social CD

Opening a Social CD with City National Bank is more than a wise investment for your portfolio, it is a socially conscious decision that helps build wealth for our entire community.

There is no difference in the rates, terms, and federal insurance you enjoy on your Social CD. The only difference is how we use the funds you deposit with us.

City National Bank is dedicated to improving the quality of life right here in our local communities.

We created the City National Urban Fund (CNUF) to allocate our CD deposits to socially conscious projects that directly support economically challenged urban areas in New Jersey and New York.

Funds from CNUF designated CDs are dedicated to projects that promote economic growth through community development. They will be used to support:

  • Affordable Housing Development
  • Home Ownership and Maintenance
  • Start-up Capital for Small Businesses
  • Non-Profit Organizations Initiatives
  • Community Outreach Services

The City National Urban Fund is one more way City National Bank lives up to our mission to meet the needs of the urban community. We are committed to revitalizing communities and empowering people. You can help us achieve a lasting impact by keeping your deposits within the community, where they will help strengthen us all.