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Product Rate APR
15 Yr. Fixed 3.900%


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Product Rate APR
24 Month ($500 Min.) 0.75% 0.75%
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Product Rate APR
Hometown Interest Checking 0.05% 0.05%
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Credit Cards

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The Hometown Card with Worldwide Acceptance!

Building a successful financial plan takes the right resources. That's why we work hard to provide you with quality financial services and products. Like our convenient, flexible Visa & Visa Gold Credit Cards. It's accepted at thousands of locations worldwide for just about any type of purchase you can dream up. And, unlike those big out-of-town institutions, our card comes with the personal, friendly service you've come to expect from us. So, whatever your plans, choose the credit card that gives you all the value and buying power you need to get your projects off the drawing board!




All new customers have an introductory Annual Percentage Rate of 7.99% for one year. Thereafter, the APR will go to 14.90% for Visa Classic and 14.50% for Visa Gold.

When you use the Citizens National Bank Hometown Credit Card for the purchase of goods or services, the following benefits are yours!

  • Travel Accident Insurance
  • Auto Rental Insurance



View your statement, current balance or make a CNB Credit Card payment online at: 


Grace period for repayment 25days
Annual fee None
Cash advance / Balance transfer fee 3% of the amount advanced ($20 max).
Payments are due 25 days after statement date
Late payment fee $7.80 or 5% of payment due, whichever is greater
Payments made at CNB Credited the same day
Return check fee $20


ScoreCard Rewards

The ScoreCard Rewards Program offers merchandise and travel rewards based on your qualifying purchases. There are different items available depending on how many points you accumulate. Your points can be redeemed at any time. Log on to www.scorecardrewards.com for a complete list of rewards. For personalized service, call a service representative: Travel Services at 1-800-842-3006 or Customer Service at 1-800-854-0790.





The Visa Business Card has an Annual Percentage Rate of 9.90%. It has all of the perks of our Visa Classic and Visa Gold cards but is geared towards meeting the needs of business owners and offers a discounted interest rate.




Citizens National Bank can provide a credit card terminal to expand your business' payment options.

  • Accepts Visa, MasterCard and Discover. American Express can also be added to your terminal.
  • Electronic terminals and printers can be purchased from Citizens National Bank.
  • Deposits are automatically credited to your account 2 business days after the date of sale.

An application must be filled out and approved by our loan officers before you can become a Credit Card Merchant.




Lost or Stolen Card

Visa Credit Card: Call 1-800-423-7503


Verified By Visa

Get an extra layer of security when you shop online! In addition to our other ways of preventing, detecting, and resolving fraud, we offer Verified By Visa, a free, simple-to-use service that confirms your identity with an extra password when you make an online transaction.

Click here for more information or to enroll!


Visa Purchase Alerts

Start receiving transaction alerts today!

Click here for more information and to enroll!


For questions and further information, please contact a New Accounts Representative today!